KR20200051202A - Payment method by verifying blockchain address and payment medium for the method - Google Patents

Abstract

The present invention relates to a payment method. According to the present invention, the payment method through cryptocurrencies comprises the steps of: receiving, by an operating server, a payment request of a user through cryptocurrencies deposited in a transaction server; confirming a balance of a prepaid account in which nominal currencies corresponding to at least a part sale payment of the cryptocurrencies is deposited according to the payment request; approving a payment request with the confirmed balance; and transferring a payment amount from the prepaid account to complete a settlement when there is a settlement request after approval. According to the present invention, cryptocurrencies can be used in an actual payment environment without changing an existing payment infrastructure.

Description

Payment method by verifying blockchain address and payment medium for the method}

The present invention relates to a payment method, and specifically, to a payment method through blockchain address verification.

Cryptocurrency is electronic information that is encrypted and issued by blockchain technology and can be used as currency in certain networks.

Cryptocurrency is processed in a decentralized system using blockchain technology, and due to its nature, there is no production cost associated with issuing money, and transaction costs such as transfer costs can be greatly reduced. In addition, since it is stored in a computer hard disk, there is no physically large storage cost, and there is little risk of theft or loss, so it has an excellent function as a value storage means.

Cryptocurrency was originally designed as a medium for exchange of goods without space-time restrictions, but has no face value and has high volatility in value due to external influences. Recently, it is mainly traded through exchanges for the purpose of investment, and is formed according to market demand and supply. As a result, income or loss may occur when trading.

In other words, interest is rising according to the specificity and investment of cryptocurrency, but cryptocurrency cannot be used smoothly as a means of payment, such as real trading or purchase of goods, which is an original function as a currency, in addition to buying and selling at a dedicated exchange. .

In order to use the cryptocurrency in a real trading environment, the transaction process of the cryptocurrency must be able to operate within the existing established payment infrastructure, and the delay due to the transaction verification time required by the underlying blockchain technology must be able to be resolved. .

In addition, in order to directly apply to the infrastructure of the existing payment market, a specific mechanism must be developed to accommodate a large number of cryptocurrency payments when transactions occur.

The present invention has been devised to solve the above technical problem, and aims to propose a method for increasing the acceptability of a cryptocurrency and applying it to an existing payment environment using a nominal currency.

In addition, it is an object of the present invention to propose a method for a user to select and pay various cryptocurrencies without changing the existing payment infrastructure.

In addition, it is an object of the present invention to propose a method in which a user can freely pay in cryptocurrency by linking with an account in which prepaid-based nominal money is deposited.

Also, it is an object of the present invention to propose a method of confirming a user's cryptocurrency account and authorizing payment through a nominal currency.

The payment method through a cryptocurrency according to the present invention for solving the above technical problem includes: an operation server receiving a payment request from a user through a cryptocurrency deposited in a transaction server in a payment method through a cryptocurrency; Checking the balance of a prepaid account in which a nominal currency corresponding to at least a part of the cryptocurrency is deposited according to the payment request; Approving a payment request with the confirmed balance; And transferring the settlement amount from the prepaid account when the settlement is requested after the approval.

The sales price is the sales amount of the cryptocurrency sold according to a predetermined limit, and the limit is preferably updated upon approval of the payment request or settlement of the payment amount.

Preferably, the settlement step reflects the amount of the cryptocurrency corresponding to the payment amount in the balance of the deposited cryptocurrency.

Preferably, the settlement step causes the transaction server to subtract the corresponding cryptocurrency amount from the balance before the cryptocurrency sale.

The settlement step is preferably such that the transaction server sells at least a portion of the cryptocurrency from the balance of the deducted cryptocurrency.

It is preferable that the operation server provides the user with information on the balance change of the deposited cryptocurrency to the user, but provides a balance before the sale of the cryptocurrency or the amount of the cryptocurrency deducted.

Preferably, the operating server transfers the cryptocurrency sold in advance to the cryptocurrency account of the operating server according to the limit, and transfers the nominal currency corresponding to the selling price of the transferred cryptocurrency to the prepaid account.

The settlement step is to enable the transaction server to sell a cryptocurrency corresponding to the payment amount among cryptocurrencies transferred to the cryptocurrency account of the operation server, and to transfer the sales price of the cryptocurrency to the prepaid account. desirable.

The payment method through a cryptocurrency according to the present invention for solving the above technical problem comprises: a payment server receiving a payment request from a user through a cryptocurrency deposited in a transaction server in a payment method through a cryptocurrency; Transmitting the received payment request to an operation server and, according to the payment request, checking a balance of a prepaid account in which a nominal currency corresponding to at least a portion of the cryptocurrency sales price is deposited from the operation server; Approving a payment request with the confirmed balance; And transferring the settlement amount from the prepaid account when the settlement is requested after the approval.

According to the present invention, cryptocurrency can be used in an actual payment environment without changing the existing payment infrastructure.

In addition, the user can select various types of cryptocurrency according to the market price and pay, and at the time of payment, the user can purchase goods through the most advantageous cryptocurrency.

In addition, the user can limit the amount of payment because the payment is based on prepaid fiat money, and additionally set limits to reduce the damage caused by excessive consumption or theft or theft of payment media.

1 is a view showing a payment system through a cryptocurrency according to an embodiment of the present invention.
2 is a view showing a payment process through a cryptocurrency according to an embodiment of the present invention.
3 is a view showing the flow of change of cryptocurrency and fiat currency of a payment method through a cryptocurrency according to an embodiment of the present invention.
4 is a view showing a payment process through a cryptocurrency according to an embodiment of the present invention.
5 is a diagram illustrating an example in which a user's cryptocurrency balance is displayed in a payment method using a cryptocurrency according to an embodiment of the present invention.
6 is a view showing a payment process through a cryptocurrency according to an embodiment of the present invention.
7 is a view showing the fluctuation flow of cryptocurrency and fiat currency of a payment method through a cryptocurrency according to an embodiment of the present invention.
8 is a view showing a payment process through a cryptocurrency according to an embodiment of the present invention.
9 is a view showing a server providing a payment method through a cryptocurrency according to an embodiment of the present invention.

The following merely illustrates the principles of the invention. Therefore, those skilled in the art can implement various principles included in the concept and scope of the invention and implement the principles of the invention, although not explicitly described or illustrated in the specification. In addition, all the conditional terms and examples listed in this specification are intended to be understood in principle only for the purpose of understanding the concept of the invention, and should be understood as not limited to the examples and states specifically listed in this way. .

The above-described objects, features, and advantages will become more apparent through the following detailed description in connection with the accompanying drawings, and accordingly, those skilled in the art to which the invention pertains can easily implement the technical spirit of the invention. .

In addition, in the description of the invention, when it is determined that the detailed description of the known technology related to the invention may unnecessarily obscure the subject matter of the invention, the detailed description will be omitted. Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

<Payment system configuration through cryptocurrency>

A payment system through a cryptocurrency according to an embodiment of the present invention will be described with reference to FIG. 1.

Referring to Figure 1, the payment system according to the present embodiment may be composed of an operation server 100, a transaction server 200, a payment server 300, and a store 400 centering on the network 20.

That is, in this embodiment, the payment system uses and operates the existing payment infrastructure (a payment network of a credit card company such as VISA / MASTER, a store terminal for payment, a payment server, etc.) established between the payment server 300 and the store 400 as it is. Provides a method for payment of a fiat currency through a cryptocurrency in an actual store 400 through transmission and reception of information between the server 100 and the transaction server 200 of the cryptocurrency.

In this embodiment, the payment medium 10 may be a means for inputting a payment intention through a cryptocurrency.

At this time, the payment medium 10 stores issuance data for payment therein and prevents external leakage through a separate encryption.

In the present embodiment, the payment medium 10 stores key values capable of performing payment through the payment server 300 as issuance data, but settlement for actual payment can be performed through a separate operation server 100. .

Therefore, in the present embodiment, the payment medium 10 transmits the approval request for payment and the user 500 information to the operation server 100 through the payment server 300 and the payment process through the operation server 100 It can act as a payment method to perform.

The operation server 100 manages a prepaid account in which the nominal currency is deposited and performs a settlement process to settle using the deposited cryptocurrency in conjunction with the transaction server 200.

In this embodiment, the operation server 100 operates a payment system through a cryptocurrency and can manage a payment process through the payment medium 10. Also, the issuance data stored in the payment medium 10 can be requested to the payment server 300 or the management server (not shown), and the balance of the cryptocurrency of the user 500 managed by the transaction server 200 can also be managed.

In addition, the operation server 100 can manage cryptocurrency assets in the transaction server 200 in addition to the nominal currency deposited in the prepaid account, and if necessary, approve payment by requesting the transaction server 200 to check the balance of the cryptocurrency can do.

In addition, the operation server 100 is a separate interlocking server for interworking with a specific transaction server 200 for each region in order to operate the payment process in conjunction with the transaction server 200 distributed in each region, country, etc. without limitation of physical location. (Not shown) can be additionally installed and operated.

That is, the operation server 100 can manage a prepaid account in which fiat money is deposited, and additionally, may configure an interlocking server for smooth transmission and reception of information with each transaction server 200. The operation server 100 requests confirmation of the balance through the interlocking server, transfer of cryptocurrency, etc., and changes the balance of the cryptocurrency by selling in advance before payment, or requests the change in the transaction server 200, and the cryptocurrency sold in advance. You can manage the deposit and withdrawal between cryptocurrency and fiat currency by requesting the sales price of or by actually selling the transferred cryptocurrency.

In this embodiment, the transaction server 200 is operated on a network and can intermediary transactions between users between cryptocurrencies and between cryptocurrencies and fiat currencies and manage information accordingly.

The transaction server 200 may create and manage an electronic wallet with the above-mentioned payment medium 10 or a cryptocurrency account corresponding to the user, and through this, store and encrypt transactions of each of the users 500 on the network. Can be recorded.

In this embodiment, the payment server 300 is a main entity that operates the infrastructure for existing card payment, and the CHD (Card holder data) and payment request amount (nominal currency currency units) input from the payment medium 10 through the payment network. ) To the operating server 100 and request approval of payment,

In addition, the payment server 300 additionally receives the type, transaction conditions, exchange information, etc. of cryptocurrency used for payment as additional data in the issuance data input from the payment medium 10 and receives it as the operation server 100 It is also possible to transfer and request approval of payment.

Specifically, the payment server 300 may identify the operation server 100 used by the payment medium 10 through the business identification number (BIN) information included in the issuance data and deliver the payment request. In addition, it is possible to identify the transaction server 200 or the entity that issued the payment medium 10 through additional information, and directly identifies the type of cryptocurrency as the payment method of the user 500 to the operation server 100 It is also possible to deliver.

In addition, the payment server 300 delivers the payment approval result of the operation server 100 to the store 400 without delay, so that the user 500 can quickly and conveniently complete the purchase of the goods.

In this embodiment, the issuance of the payment medium 10 and a management server (not shown) that manages it may be further included, and the issuance data stored in the payment medium 10 is digitized and provided through the operation server 100, respectively. Lifecycle of payment methods can be managed.

Furthermore, the management server (not shown) tokenizes the issued data to increase security, and uses token data instead of the original data when making payment through cryptocurrency to prevent theft due to external leakage of payment methods and information required for payment. Can be.

In one embodiment, the user 500 may use the user terminal 510 to transfer the issuance data of the payment medium 10 to the payment medium 10 to use the payment service according to the present invention.

The user terminal 510 may be a network device including a communication module such as a smart phone or a tablet PC used by the user 500, and may transmit data to a payment medium or receive data from the payment medium through short-range communication. The transmitted issuance data may be stored and managed in the internal memory module of the payment medium 10.

In addition, additional detailed information related to payment can be provided through the display module of the user terminal, and the user 500 can check the balance of his or her cryptocurrency through this, or quote the price of the cryptocurrency, and the transaction server 200 ), You can set the balance status and payment limit.

<Payment process through cryptocurrency>

Hereinafter, a payment process through a cryptocurrency according to this embodiment will be described with reference to FIG. 2.

2 is a diagram showing a service flow of a payment method through a cryptocurrency according to the present embodiment.

Referring to FIG. 2, prior to payment, the user 500 may deposit a cryptocurrency in the transaction server 200 (12). The user 500 may purchase a product using the cryptocurrency deposited in the transaction server 200 and request payment of the price using the payment medium 10.

To this end, the transaction server 200 pre-solds some of the deposited cryptocurrency or transfers it to the cryptocurrency account of the operator, the operator of the operation server 100 (12), and the operation server 100 encrypts or sells the password. It provides a payment method that allows users to pay within a range of nominal currencies corresponding to the currency.

In this embodiment, the transaction server 200 converts some of the deposited cryptocurrency into a withdrawal guarantee currency, and the operation server 100 provides a payment method by depositing the corresponding nominal currency in a prepaid account.

In this embodiment, sales are not only generated by the act of buying and selling cryptocurrency at an exchange within the actual trading server 200, but also include all the results of the previous act on the ledger to record as being transferred on the data and then settle it. can do.

In the present invention, the process of deducting, settlement, and charging cryptocurrency in the exchange can be performed as a separate off-chain transaction in addition to the blockchain-based on-chain transaction, and the user's cryptocurrency The transfer of a portion of the cryptocurrency from the account to the cryptocurrency account in the operator's name may be recorded in the book.

Thereafter, the payment server 200 may transmit the result (or transfer) of the cryptocurrency to the operation server 100 (16).

Upon receiving the sales result, the operation server 100 may deposit a nominal currency corresponding to the cryptocurrency sold in advance into the prepaid account (18).

That is, in the present embodiment, the operation server 100 may allow the temporary currency of the money equivalent to the partial sale of the cryptocurrency to be temporarily deposited in the prepaid account.

In case the user withdraws the total amount of the deposited cryptocurrency into fiat currency or exchanges it with another cryptocurrency, instead of performing the actual sale, the cryptocurrency is transferred to the operator's cryptocurrency account and countered in response to the operation server 100 It is also possible to have the operating server deposit fiat money in a prepaid account.

Subsequently, the operation server 100 may settle with the fiat money deposited at the time of settlement, and may approve the deposit amount of the actual sales amount of the cryptocurrency transferred to the transaction server 200 to the cryptocurrency account.

In addition, in another embodiment, the operation server 100 may directly transfer some actual sales price of the cryptocurrency from the transaction server 200 and deposit it in a prepaid account. In this case, when the settlement is requested later, the sale price can be directly deducted from the prepaid account and transferred. In other words, in this embodiment, the cryptocurrency is sold by pre-selling the user's cryptocurrency and providing payment through the sale price. It may be performed in advance of the user's payment request time. Therefore, it is possible to sell a portion of the actual cryptocurrency as a transaction between users in the exchange and deposit the sales amount into a prepaid account, regardless of the time it takes to trade the cryptocurrency.

After the fiat money is deposited in the above process, when the user 500 requests payment to the store terminal of the store 400 using the user terminal 510 (20), the payment server connected through the store terminal and the network 20 Approval of payment is requested at 300 (22).

The payment server 300 delivers the payment approval request to the operation server 100 (24), and the operation server 100 checks the balance (26).

At this time, the operation server 100 checks the nominal currency balance of the prepaid account deposited in response to some sales of the above-mentioned cryptocurrency, and if the balance is greater than or equal to the payment amount, payment approval information to the store 400 through the payment server 300 Can be delivered (28).

Thereafter, when the store 400 requests settlement to the operation server 100 through the payment server 300 according to the settlement period (30), the operation server 100 requests settlement of the cryptocurrency from the transaction server 200 ( 32).

In the present embodiment, the deposit of the prepaid account of the fiat money previously performed may be performed by directly depositing the amount of money corresponding to the sales limit of the cryptocurrency as described above.

Therefore, for actual settlement, the operation server 100 may request the settlement of the cryptocurrency from the transaction server 200 (32).

Upon receipt of the settlement request, the transaction server 200 actually sells (34) the amount of cryptocurrency that has been paid out of the cryptocurrency transferred to the operator's cryptocurrency account as a withdrawal guarantee currency (34), and transfers it to the operation server (100). Can (36).

 Thereafter, the transferred sales price can be settled by the operation server 100 (38), and the nominal currency can be transferred to a payment server and a store (40).

In addition, in another embodiment, upon receiving the settlement request, the operation server 100 immediately transfers the settlement amount to the settlement server 300 in the fiat money deposited in advance, and then setstles the transaction server 200 to cover the settlement amount. In the cryptocurrency transferred as a withdrawal guarantee currency, the amount of payment can be sold and covered.

Furthermore, in the present embodiment, a part of the cryptocurrency sold in the initial transaction server 200 may be determined in advance, and preferably, may be set to a payment limit according to each user, period, or number of times.

The payment limit for each period can be set to a day, month, or specific time, and it is also possible to set the payment limit for a plurality of times, such as one or two times.

Therefore, the operation server 100 may need to update the cryptocurrency sales limit when settlement is complete. After settlement, the operation server 100 may request the transaction server 200 to update the payment limit, and the transaction server 200 may re-adjust the limit to reflect this (41).

Hereinafter, with reference to FIG. 3, the deposit process of the fiat currency according to the cryptocurrency sold in advance for payment in this embodiment will be described.

Referring to FIG. 3, the user 500 may deposit 10 ETH (Ethereum currency unit) in the initial transaction server 200. 10ETH may exist as a balance in the user's cryptocurrency account 202 in the transaction server 200.

In this embodiment, the transaction server 200 pre-sells some cryptocurrencies corresponding to the payment limit for 10 ETH deposited by the user 500 for payment through cryptocurrency, and transfers them to the prepaid account of the operation server 100. You can deposit.

Specifically, if the payment limit is 500USD (= 1ETH), 1ETH is transferred to the operator's cryptocurrency account 204 in consideration of the dollar exchange rate, and the transferred 1ETH is sold, and 500USD corresponding to the sales price is the operating server 100 It can be transferred to the prepaid account (102).

Thereafter, for approval of the payment, the operation server 100 may check the balance deposited in the prepaid account 102 and approve the payment in the range of 500 USD.

In another embodiment, instead of transferring the payment directly to the prepaid account 102 after 1ETH transferred from the user's cryptocurrency account 202 in FIG. 3 to the operator's cryptocurrency account 204, the operator's cryptocurrency It may also be performed by depositing 500 USD by the operator into the prepaid account 102 of the operation server 100 at the same time as the transfer of 1ETH to the account 204.

This is to guarantee mutual payment between the operator and the user as described above, and in response to transferring part of the cryptocurrency deposited from the user's side to the operator, so that the operator deposits the nominal currency corresponding to the transferred cryptocurrency into the prepaid currency. can do.

Therefore, at this time, the transaction server 200 transmits to the operation server 100 as information that 1ETH has been transferred from the user's cryptocurrency account to the operator's cryptocurrency account, and the operation server 100 that received it sends 500 USD to the prepaid account. Can be deposited.

Hereinafter, a settlement process after payment in a payment method according to an embodiment of the present invention will be described with reference to FIG. 4.

Referring to FIG. 4, the user 500 can deposit 10ETH in the transaction server 200 (42).

The transaction server 200 may transfer 1ETH to the operator's cryptocurrency account according to the limit of the 10ETH deposited (44). The transferred 1ETH may be immediately sold and deposited into the prepaid account of the operation server 100 or thereafter, to the operator's cryptocurrency account for sale upon settlement.

In the above process, when 1ETH is transferred from the user's cryptocurrency account to the operator's cryptocurrency account, the transaction server 200 requests the deposit of the nominal currency from the operation server 100, and the operation server 100 corresponds to 1ETH. You can deposit 500USD into your prepaid account (46).

After the deposit, if the user 500 requests payment of $ 500 (48), the store 400 requests the payment server 300 to approve the payment (50). The payment server 300 delivers the approval request to the operation server 100 (52), and the operation server 100 checks the balance of the prepaid account (54).

When checking the balance, the nominal currency corresponding to the payment amount has already been deposited, so the operation server 100 approves the payment (56), and the payment server 300 delivers the payment approval to the store 400 and purchases the user 500's goods. Let it be done (58).

Thereafter, the store 400 may request the settlement server 300 for settlement of $ 500 (60). The payment server 300 transmits the settlement request to the operation server 200 (62), and the operation server 200 can transfer the amount corresponding to the settlement amount among the fiat money deposited in the prepaid account to the payment server 300. Yes (64).

The payment server 300 may deliver the transferred amount to the store and complete the settlement procedure (66).

When the above settlement is completed, the payment method according to the present embodiment may update the limit for additional payment by the user and request resale of the cryptocurrency.

That is, the operation server 100 may request the transaction server 200 to update the limit (68).

The transaction server 200 may update the payment limit to 500USD, which is a one-time payment limit, when the limit is requested (70), and transfer the corresponding 1ETH back to the operator's cryptocurrency account (72).

The operation server 100 may secure a deposit of a prepaid account for the purchase of goods within the payment limit by the user 500 through requesting an update of the limit.

Therefore, the balance of the deposit of the prepaid account managed by the operation server 100 can be maintained continuously as long as the cryptocurrency is deposited within the scope of the payment limit.

<User's cryptocurrency balance composition>

Hereinafter, the configuration of the balance of the user's cryptocurrency account 202 in one embodiment of the present invention will be described.

The payment method in this embodiment allows the user 500 to freely purchase a product for which the nominal currency is valued within the payment limit using the deposited cryptocurrency.

To this end, in order to solve the hassle of the user 500 separately selling cryptocurrency and exchanging it for nominal money, the operation server 100 allows the transaction server 200 to pre-sell the deposited user's cryptocurrency to the operator, It is characterized in that the nominal currency corresponding to the cryptocurrency sold is held as a deposit of a prepaid account.

However, even if the user 500 deposits the cryptocurrency, he or she may want to immediately withdraw the entire amount or make a transaction for the transaction or investment of the cryptocurrency itself, and may not want the deposited cryptocurrency to be partially converted into a nominal currency.

Therefore, in this embodiment, the balance of the cryptocurrency can be operated by differently configuring the balance amount in the actual transaction server 200 and the amount of the amount of money displayed on the user terminal 510 of the user.

Specifically, referring to FIG. 5, when the user 500 deposits 10 ETH in the transaction server, the balance can be confirmed as 10 ETH through the user terminal.

Accordingly, the user can conceptually recognize that the amount of money deposited by the user is stored in the user's cryptocurrency account 202 in the transaction server and can be operated.

However, in the present embodiment, the actual balance may be configured to sell a part of the cryptocurrency in advance based on the daily payment limit as described above.

Specifically, 1ETH, which is partially sold, can be transferred to the cryptocurrency account of the operator, or stored in the transaction server at a sales value of 500USD.

At this time, 1ETH or 500USD is the amount of change in the user's cryptocurrency account, but in this embodiment, 10ETH as all of the cryptocurrencies deposited by the user 500 can be immediately transacted or withdrawn from other cryptocurrencies to ensure withdrawal. It can be stored in the form of money.

If the user 500 exchanges all 10ETH for other cryptocurrencies, it can be exchanged for other cryptocurrencies through 1ETH as 9ETH of the current user's cryptocurrency account and withdrawal guarantee currency.

Or, if the user wants to sell 10ETH in whole and withdraw in fiat money, sell 9ETH of the current user's cryptocurrency account and withdraw the fiat currency corresponding to the sale price and the withdrawal guarantee currency 500USD.

With the configuration of the user's cryptocurrency account through the above withdrawal guarantee currency, there is no delay or damage to the user's cryptocurrency transaction or purchase of the product through the fiat currency.

<User's cryptocurrency balance update after settlement>

Hereinafter, the update of the balance of the user's cryptocurrency after the user completes the settlement of the payment amount according to an embodiment of the present invention will be described.

First, referring to FIG. 6, user 1 500 may deposit 1000 ETH in the transaction server 200 (1000).

As described above, the deposited 1000ETH may be sold in advance from the user's cryptocurrency account or transferred to the operator's cryptocurrency account according to the daily payment limit (1002).

For example, the cryptocurrency account management module 210 may transfer 1ETH from 1000ETH of the user 1 to the cryptocurrency account of the operator. When the cryptocurrency is transferred, the cryptocurrency account management module 210 may request the deposit of the sales price to the prepaid account management module 110 of the operation server 100 (1004).

Through the above process, the prepaid account management module 110 may deposit nominal money corresponding to the daily payment limit of the users in advance, and in the present embodiment, each of the prepaid accounts managed by the prepaid account management module 110 may work 500 USD, which is the limit, can be deposited.

In addition, in this embodiment, one limit may be set differently for each user, and it is also possible that different amounts are deposited for each user.

After the fiat money is deposited in the prepaid account, the user can request payment (1006).

When the user 1 500 requests payment of $ 100, the store 400 receives the payment request and requests approval of the payment to the payment server 300 (1008).

The payment server 300 transmits the approval request to the operation server 100 (1010), and the operation server 100 checks the balance (1012). As described above, in the prepaid account managed by the operation server 100, nominal money in the range of the daily payment limit is pre-deposited for each user, and thus payment approval is possible within the payment limit.

The operation server 100 approves payment of a payment amount of $ 100 (1014) and transmits payment approval information to the store 400 through the payment server 300 (1016).

Thereafter, if the store 400 requests settlement (1018), the payment server 300 may transmit the settlement request to the operation server 100 (1020).

The operation server 100 receives the settlement request, and the prepaid account management module 110 directly transfers 100USD from the balance deposited in User 1's prepaid account to the settlement account management module 310 of the payment server 300 ( 1022) The payment server 300 may transfer to the store 400 to complete the settlement (1024).

At this time, the operating server 100 directly transfers the amount of cryptocurrency sales corresponding to the one-day payment limit from the transaction server 200 and deposits it in a prepaid account. The currency account management module 210 may request the sale of the actual cryptocurrency and payment of the sale price.

That is, in this case, the operation server 100 may additionally request settlement of the cryptocurrency from the transaction server 200.

This will be described in more detail with reference to FIG. 7.

Referring to FIG. 7, when the operation server 100 requests the actual sale of the payment amount of the cryptocurrency to the transaction server 200 as a settlement request, the cryptocurrency account management module 210 of the transaction server 200 is an operator In the transferred 1ETH, cryptocurrency equivalent to the payment amount of 100USD can be sold directly.

In this embodiment, the transaction server 200 may sell 0.2 ETH corresponding to 100 USD at 1 ETH transferred to the cryptocurrency account of the operator.

Therefore, the balance of the withdrawal guarantee money of the operator is changed to 0.8ETH, and the sale price of 0.2ETH can be transferred to the operation server 100.

Specifically, the prepaid account management module 110 of the operation server 100 can receive 100 USD transfer to the operator's prepaid account. As such, the operation server 100 may cover the amount paid in advance from the amount previously deposited as the actual payment amount.

Furthermore, in the above process, the balance on the user's side may be displayed as 1000 ETH (including 1 ETH withdrawal) when depositing the first 1000 ETH cryptocurrency. In addition, after payment of 100USD, it can be displayed as 999.8ETH (including 0.8ETH of withdrawal guarantee currency).

The user 500 can check the balance of the cryptocurrency that reflects the amount used for payment regardless of the cryptocurrency sold in advance as the withdrawal guarantee currency, and can recognize that the product has been purchased and settled through the cryptocurrency. have.

Although not additionally shown, the cryptocurrency account management module 210 adds 0.2ETH to the operator's cryptocurrency account to deposit 500 USD, which is the daily payment limit, back into the prepaid account when the limit update request is received from the operation server 100. Can be transferred.

If 0.2ETH is additionally transferred, the balance of the operator's cryptocurrency account is 1 ETH, so the prepaid account management module 110 can deposit 100 USD in addition to the current prepaid account balance of 400 USD.

<Payment approval and settlement of payment server>

In another embodiment of the present invention, the operation server 100 deposits the payment for the transfer of cryptocurrency from the transaction server 200 to the payment server 300 and performs payment approval and settlement through the payment server 300. It can be done.

Referring to FIG. 8, when the user 1 500 deposits 1000 ETH (1100), the transaction server 200 receives the withdrawal guarantee currency into the cryptocurrency account of the operator through the cryptocurrency account management module 210 as described above. Can be transferred (1102).

When the withdrawal guarantee currency is transferred, the operation server 100 may directly transfer the payment through the prepaid account management module 110 to the settlement account management module 310 of the payment server 300 (1104).

Accordingly, the settlement account management module 310 may manage the nominal currency corresponding to the daily payment limit to the settlement account in the user's name as the balance.

Thereafter, when the user 1 500 requests payment of $ 100 (1106), the store 400 receives the payment request of the user 1 500 and transmits it to the payment server 300 (1108).

The settlement account management module 310 inside the payment server 300 may check the balance (1110) and approve the payment (1112).

However, at this time, the payment server 300 may provide the approval of payment to the operation server 100 as a notification (1114), and the operation server 100 may request to update the limit (1116). Specifically, the update of the limit may be performed after settlement as described above.

Then, when the store 400 requests settlement to the payment server 300 (1118), the settlement account management module 310 of the settlement server 300 directly transfers 100USD from the settlement account of the user 1 500 to the store 400 The settlement may be completed by transferring (11120), and the settlement may be provided as notification information to the operation server 100.

Upon receiving the notification information, the operation server 100 may complete the settlement with the transaction server 200 and request to update the balance of the user's cryptocurrency account.

The cryptocurrency account management module 210 of the transaction server 200 may actually sell the cryptocurrency corresponding to the payment amount from the operator's cryptocurrency account according to the balance update to transfer the sales price to the operator's prepaid account. The operation server 100 may approve the transferred real sales price to the fiat currency previously deposited in the settlement account of the payment server.

In addition, with the renewal of the limit, the transaction server 200 additionally transfers the cryptocurrency to the cryptocurrency account of the operator to deposit the nominal currency that is insufficient within the payment limit, and the operating server 100 transfers the sales price of the additional transferred cryptocurrency. Can be transferred to the settlement account management module 310.

In the above embodiment, the payment server 300 directly manages the settlement account and completes the approval and settlement of payment, so that a faster payment method can be provided to the user, and the operation server 100 and the transaction server 200 are independent. Procedures can be performed according to the request to renew the balance and balance of cryptocurrency.

<Configuration of Operation Server 100>

The operation server 100 according to the present embodiment may be configured and operated with a plurality of modules, and a program for performing a payment method according to the above-described embodiment is stored in a computer-readable recording medium and executed by a computer processor Can be.

Specifically, the operation server 100 according to this embodiment includes a payment request receiving module 120, a balance confirmation module 140, a prepaid account management module 110, a payment approval module 160, and a settlement module 180 can do.

The payment request receiving module 120 may receive a payment request from the user 500 from the payment server 300.

The payment request receiving module 120 may receive information such as the user 500 included in the payment request, payment amount, payment limit amount, and use the payment.

The balance confirmation module 140 checks the balance of the fiat money deposited by the user 500 through the prepaid account management module 110 for approval of payment of the payment amount.

The prepaid account management module 110 manages both the prepaid account of the user 500 and the prepaid account of the operation server 100 in order to provide a prepaid payment process, records fluctuations in the balance, and displays the transaction server 200. The withdrawal guarantee currency is settled and data is managed as a transaction book.

When the balance checked through the payment approval module 160 balance confirmation module 140 is greater than or equal to the payment amount, the payment is approved and payment approval information is transmitted to the payment server 300. In addition, it is possible to check the limit determined for each user 500 and request the transaction server 200 to update the limit.

The settlement module 180 pays the settlement amount when settlement is requested from the store 400 or the payment server 300 after payment, and transmits the settlement information to the prepaid account management module 110 to be reflected in the transaction book.

According to the present invention, cryptocurrency can be used in an actual payment environment without changing the existing payment infrastructure.

In addition, the user can select various types of cryptocurrency according to the market price and pay, and at the time of payment, the user can purchase goods through the most advantageous cryptocurrency.

In addition, since the user pays based on prepaid fiat money, the amount of payment can be limited, and additional limits can be set to reduce damage caused by excessive consumption or theft or theft of payment media. Furthermore, various embodiments described herein may be implemented in a computer- or similar device readable recording medium using, for example, software, hardware, or a combination thereof.

According to a hardware implementation, the embodiments described herein include application specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), field programmable gate arrays (FPGAs), It may be implemented using at least one of processors, controllers, micro-controllers, microprocessors, and electrical units for performing other functions. The described embodiments can be implemented with the control module itself.

According to a software implementation, embodiments such as procedures and functions described herein may be implemented as separate software modules. Each of the software modules may perform one or more functions and operations described herein. Software code can be implemented in software applications written in the appropriate programming language. The software code is stored in the memory module and can be executed by the control module.

The above description is merely illustrative of the technical idea of the present invention, and those of ordinary skill in the art to which the present invention pertains may make various modifications, changes, and substitutions without departing from the essential characteristics of the present invention. will be.

Therefore, the embodiments disclosed in the present invention and the accompanying drawings are not intended to limit the technical spirit of the present invention, but to explain the scope of the technical spirit of the present invention. . The scope of protection of the present invention should be interpreted by the claims below, and all technical spirits within the scope equivalent thereto should be interpreted as being included in the scope of the present invention.

Claims (22)

The operating server in the payment method through cryptocurrency,
Depositing a fiat currency corresponding to at least a portion of the cryptocurrency deposited in the transaction server into a prepaid account;
Receiving a payment request from the user;
Checking the balance of the prepaid account in which the fiat money is deposited, according to the payment request;
Approving a payment request with the confirmed balance; And
And payment by transfer of the payment amount from the prepaid account when the settlement is requested after the approval. According to claim 1,
The sales price is a sales amount of the cryptocurrency sold according to a predetermined payment limit, and the payment limit is updated upon approval of the payment request or settlement of the payment amount. According to claim 2,
The settlement step is a payment method through a cryptocurrency characterized in that the amount of the cryptocurrency corresponding to the payment amount is reflected in the balance of the deposited cryptocurrency. The method of claim 3,
The settlement step is a payment method through a cryptocurrency, characterized in that the transaction server subtracts the corresponding cryptocurrency amount from the balance before the cryptocurrency sale. The method of claim 4,
The settlement step is a payment method through a cryptocurrency, characterized in that the transaction server to sell at least a portion of the cryptocurrency from the balance of the subtracted cryptocurrency. The method of claim 4,
The operation server provides the user with the information on the change in the balance of the deposited cryptocurrency to the user, but provides a balance before the sale of the cryptocurrency or the balance of the amount of the cryptocurrency deducted. Way. According to claim 2,
The operating server is characterized in that to transfer the cryptocurrency sold in advance to the cryptocurrency account of the operating server in accordance with the payment limit, and transfer the nominal currency corresponding to the selling price of the transferred cryptocurrency to the prepaid account. Payment method through cryptocurrency. The method of claim 7,
The settlement step allows the transaction server to sell a cryptocurrency corresponding to the payment amount among cryptocurrencies transferred to the cryptocurrency account of the operation server,
Payment method through a cryptocurrency, characterized in that to transfer the payment of the cryptocurrency to the prepaid account. In the payment method through the cryptocurrency, the payment server,
Depositing a fiat currency corresponding to at least a portion of the cryptocurrency deposited in the transaction server into a prepaid account;
Receiving a payment request from the user;
Forwarding the received payment request to an operation server and checking the balance of the prepaid account in which the nominal currency is deposited, according to the payment request;
Approving a payment request with the confirmed balance; And
And payment by transfer of the payment amount from the prepaid account when the settlement is requested after the approval. The method of claim 9,
The sales price is a sales amount of the cryptocurrency sold according to a predetermined payment limit, and the payment limit is updated upon approval of the payment request or settlement of the payment amount. The method of claim 10,
The operating server is characterized in that to transfer the cryptocurrency sold in advance to the cryptocurrency account of the operating server in accordance with the payment limit, and transfer the nominal currency corresponding to the selling price of the transferred cryptocurrency to the prepaid account. Payment method through cryptocurrency. A payment request receiving module that receives a user's payment request through a cryptocurrency deposited in the transaction server;
A balance confirmation module for depositing a fiat currency corresponding to at least a part of the cryptocurrency into a prepaid account and checking the balance of the prepaid account according to the payment request;
A payment approval module that approves the payment request with the confirmed balance;
A prepaid account management module that changes the balance of the prepaid account according to a payment amount; And
And an settlement server that transfers the settlement amount from the prepaid account to settlement upon request for settlement after the approval. The method of claim 12,
The sales price is the sales amount of the cryptocurrency sold according to a predetermined payment limit, and the payment limit is updated upon approval of the payment request or settlement of the payment amount, thereby providing a payment method through cryptocurrency server. The method of claim 13,
The operating server is characterized in that to transfer the cryptocurrency sold in advance to the cryptocurrency account of the operating server in accordance with the payment limit, and transfer the nominal currency corresponding to the selling price of the transferred cryptocurrency to the prepaid account. An operating server that provides payment methods through cryptocurrency. A payment request receiving module that receives a user's payment request through a cryptocurrency deposited in the transaction server;
A balance confirmation module for depositing a fiat currency corresponding to at least a portion of the cryptocurrency sales price into a prepaid account, forwarding the received payment request to an operation server, and checking the balance of the prepaid account according to the payment request;
A payment approval module that approves a payment request with the confirmed balance;
A prepaid account management module that changes the balance of the prepaid account according to a payment amount; And
A payment server providing a payment method through a cryptocurrency, characterized in that it comprises a settlement module that transfers the settlement amount from the prepaid account upon settlement request after the approval. Payment medium for requesting payment in connection with the operation server according to claim 12. The operating server in the payment method through cryptocurrency,
Depositing a fiat currency corresponding to at least a portion of the cryptocurrency deposited in the transaction server into a prepaid account;
Receiving a payment request from the user;
Checking the balance of the prepaid account in which the fiat money is deposited, according to the payment request;
Approving a payment request with the confirmed balance; And
A computer readable recording medium storing a program for performing a payment method through a cryptocurrency, comprising the step of transferring the settlement amount from the prepaid account upon settlement request after the approval. The operating server in the payment method through cryptocurrency,
Depositing a fiat currency corresponding to at least a portion of the cryptocurrency deposited in the transaction server into a prepaid account;
Receiving a payment request from the user;
Checking the balance of the prepaid account in which the fiat money is deposited, according to the payment request;
Approving a payment request with the confirmed balance; And
A program stored in a computer-readable recording medium for performing a payment method through a cryptocurrency, characterized in that it comprises the step of transferring the settlement amount from the prepaid account upon settlement request after the approval. In the payment method through the cryptocurrency, the payment server,
Receiving a payment request from the user;
Forwarding the payment request to an operation server so that the operation server checks the balance of a prepaid account depositing a nominal currency corresponding to at least a portion of the cryptocurrency deposited in the transaction server in advance;
Receiving, by the operation server, payment approval information for approving the payment request with the checked balance; And
And transmitting the received payment approval information and using the payment amount transferred from the prepaid account when requesting settlement after approval. The method of claim 19,
The sales price is a sales amount of the cryptocurrency sold according to a predetermined payment limit, and the payment limit is updated upon approval of the payment request or settlement of the payment amount. In the payment method through cryptocurrency, the transaction server,
Transferring at least a portion of the cryptocurrency deposited in the user's cryptocurrency account to the cryptocurrency account of the operation server according to a predetermined payment limit;
When the operating server confirms the balance of the prepaid account depositing the nominal currency corresponding to the transfer price of the transferred cryptocurrency and approves the payment request with the verified balance, when the settlement amount is settled, the transferred cryptocurrency is sold To do;
And transferring the selling price of the sold cryptocurrency to the prepaid account. The method of claim 21,
Payment method through a cryptocurrency further comprising the step of updating the payment limit upon approval of the payment request or settlement of the payment amount.

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