KR20220116592A - Method to exchange between multiple tokens and to clear payment process in electronic wallet using decentralized identifier - Google Patents

Abstract

The present invention relates to a method for exchanging and calculating a large number of tokens in an electronic wallet using a decentralized ID. The present invention is a technology developed through the "Value-Add-DID-Based O2O Collaboration Service Platform Technological Development" project of the 3rd Seoul Innovation Challenge Final (IC900221) in 2020, supervised by the Seoul Business Agency of the Seoul Metropolitan Government. According to the present invention, the method is able to configure a payment calculation system operating based on a "calculation reference token" generating inter-exchangeability of an electronic wallet by overcoming the shortcomings that each token is used independently in its own application while a user is possessing a large number of tokens stored in an electronic wallet using a decentralized ID based on blockchain, exchange a specific token with another token in real time on an application registered in an electronic wallet, pay the token to be used for an electronic commerce, and process the calculation between token providers on the electronic wallet in real time.

Description

{Method to exchange between multiple tokens and to clear payment process in electronic wallet using decentralized identifier}

The present invention overcomes the disadvantage that each token is used only in its own application through exchange between a plurality of tokens stored in an electronic wallet using a distributed ID based on block chain, and exchanges specific tokens with other tokens in real time for e-commerce It is about a technology that exchanges for use in real-time settlement between token providers of electronic wallets.

The present invention is a technology developed through the "Value-Add-DID based O2O collaboration service platform technology development" project of the 2020 3rd Seoul Innovation Challenge finals (IC900221) hosted by the Seoul Industry Promotion Agency.

Based on the dissertation of Satoshi Nakamoto in 2000, a distributed ledger technology was developed that can trade a cryptocurrency called Bitcoin. It has become possible to program various types of documents and contracts.

Tokens can be created through the smart contract of the blockchain system. Depending on whether the value of the token is fixed with respect to fiat currency, it can be divided into stable tokens and general utility tokens. Since the tokens created through the smart contract of the blockchain system are of mutual value, the exchange rate can be determined through the relative price between the tokens to exchange them. Thus, the exchange rate of n tokens can be expressed as n(n-1)/2 relative prices. However, this exchange rate can simplify the transaction by setting a reference token when the number of tokens is 3 or more. In particular, the existence of the reference token can lower the transaction cost between different tokens through the relative price. As an example of implementation, in the case of a virtual asset exchange, Bitcoin (BTC), Ethereum (ETH), or Tether (USDT) is used as a reference token to operate a token trading market expressed as a relative price.

The characteristic of distributed ledger is that the core technology uses cryptography to include the hash value of the header of the previously created data block in the header of the newly created data block, so that the block of data in which the transaction history is written is connected like a chain. It becomes inoperable, and by sharing it among multiple nodes, it is possible to create an unmodifiable distributed ledger.

Like Bitcoin, Ethereum, announced by Vitalic Buterin in 2014, provides flexibility to apply Ethereum in various fields through a contract authoring tool called solidity, and changes account status on the block chain. The change in account balance is recorded in the block chain when a transaction is made using a state transition function.

Ethereum private and public keys are 256 bits, 32 bytes, and can be expressed in 64 hexadecimal digits. As an address generation method, as an encryption hash function for a public key, a hash is generated using a hash function called keccak-256 among the SHA3 encryption hash functions announced in August 2015 by the National Institute of Standards and Technology, and the result is a 256-bit number. 96 bits at the front of the two. That is, 12 bytes are discarded and 160 bits remain. When converted to hexadecimal, it is 20 bytes, so 40 strings are created and this is the account address. When a token is traded using this public key, 40 strings are used as the account addresses of the sender and receiver for transactions recorded in the block of the block chain. A token electronic wallet using a block chain can transmit tokens using an electronic certificate method based on these public and cryptographic keys. The four hashes provided by the elliptic function of the public key are usually used as the address of the token used in the block chain, and the electronic wallet transmits the token by recording the hash of the public key as the address to the electronic wallet in the block chain.

If there is an application that uses the token A, but the electronic user with the token B does not have the token A in the electronic wallet, the application cannot be used. If n tokens are registered in the electronic wallet and the application is designed so that only specific tokens can be traded, individuals cannot use multiple applications. Therefore, in order to use the application linked with individual tokens registered in the electronic wallet using the unspecified token of the electronic wallet, the following issues must be resolved or considered.

First, it is necessary to know whether it is possible to exchange between specific token pairs in the electronic wallet.

Second, the relative price, that is, the exchange rate, between a specific token and the standard token in the electronic wallet must be determined. For this relative price to be determined, an exchange rate mechanism that sets the relative price must exist.

Third, in order for the holder of the B token to pay the B token in the application using the A token, the two problems must be solved first. Issuers should be forced to exchange for fiat currency or market-traded tokens. Therefore, in order to use other tokens in an application using a specific token, a settlement process between tokens must exist.

Fourth, in order to activate the transaction of the application and simplify the settlement process, it is necessary to use a token that is a settlement standard, that is, a 'settlement standard token' or fiat currency, to dramatically reduce transaction and settlement costs within the application.

Korea Laid-Open Patent Publication No. 10-2018-0094272 (2018.08.13) Korean Patent Laid-Open Publication No. 10-2018-0062552 (2018.05.31) Korean Patent Laid-Open Publication No. 10-2019-7013340 (2016.12.22)

An object of the present invention to solve the above problems is to overcome the disadvantage that a number of individual tokens stored in an electronic wallet using a distributed ID based on a block chain are used independently in an application that interworks with each token to overcome the disadvantages of the electronic wallet. Implement a settlement mechanism that enables exchange between tokens registered in the electronic wallet by configuring a settlement processing system that operates based on the 'settlement standard token' that generates interchangeability, and enables token users of electronic wallets to interact with other tokens The purpose of this project is to provide a method to expand the application use range of electronic wallet users by making interlocking applications available, increase the satisfaction of token issuers and holders, and at the same time increase the activation of applications and the utilization of electronic wallets.

The present invention, which performs the task to achieve the object as described above, has a function for an electronic wallet user to trade a plurality of tokens using a distributed ID for a plurality of tokens called virtual assets and an application access function to use the tokens. If you have an electronic wallet and use the application access button in the electronic wallet to access the application server and pay with tokens, a payment settlement system and electronic wallet and settlement system that connect the application server and electronic wallet to process payment and settlement After configuring the steps and work of configuring a distributed network with blockchain nodes that record settlement and settlement transactions between tokens in

(a) An e-wallet user who registers each token used in the e-wallet through the e-wallet management server has multiple tokens, that is, multiple token modules displayed in the e-wallet, and each token module has a token transaction function and application Having an electronic wallet with a connection function and various additional function modules; and

(b) When the electronic wallet 100 owner holds several tokens in the electronic wallet and holds a specific token B, the application server is provided by using a button with an application access function in the token module 110 of the token A Logging in through the user screen of the application; and

(c) when the user applies for token payment in the application, the token payment module shows a list of available tokens, and the wallet user selects a token to be paid from the list of tokens and transmits it to the payment settlement server; and

(d) When the application server requests the payment processing unit of the payment settlement server for the type of token required for payment and whether payment is possible, the payment processing unit uses the distributed ID of the electronic wallet sent by the application server 200 to the payment settlement server. Check the amount of tokens held in the blockchain system and check the amount of tokens required for payment. A step of verifying is performed, and the payment processing is divided into a case of payment with token A and a case of payment with token B; and

(e) when payment is made with token A, the payment settlement server confirms the amount of the electronic wallet address of the payment requester and then checks whether the amount is sufficient; and

(f) In the case of payment with token A, if the amount of token A holding of the payment requester's electronic wallet address is greater than the amount required for payment, the payment processing unit 301 moves from the address of token A of the electronic wallet to the address of the payment electronic wallet of the application provider to send token A and complete the payment, and if the amount of tokens in the e-wallet address is less than the amount required for payment, the payment impossible message is sent to the application server as a message, and the application server displays it on the user screen of the electronic wallet. Completing the payment processing of token A through the process of displaying; and

(g) In the case of payment with token B, if the payment processing unit 301 receiving the payment request from the application server can check whether the payment processing can be made from token A to token B, the payment processing unit must check the settlement standard token exchange rate. After converting the payment amount of token A into the payment amount of token B using the exchange rate between token A and token B’s settlement standard token through the calculator, the amount of token B holding in the payer’s electronic wallet is sufficient than the payment amount of token B After checking whether the amount of token B required for payment is insufficient, a message that cannot be paid is sent to the application server 200, and if the amount of token B is sufficient, proceeding to the settlement process; and

(h) converting the token B used for payment into a 'settlement standard token' if the amount of token B held in the payment wallet is sufficient for payment in the above step; and

(i) Through the above steps, the settlement processing unit confirms that the holding amount of the settlement standard token account of the token B application previously registered in the settlement management unit is sufficient to exchange the settlement standard token payment amount converted from the token B payment amount, , if the settlement standard token holding amount is insufficient, sending the reason for inability to settle to the application server as a message, and proceeding with the settlement settlement if the settlement standard token holding amount is sufficient; and

(j) If the amount of token B’s holding standard token account is greater than the amount of ‘settlement standard token’ required for payment, the settlement processing unit is located at the ‘settlement standard token’ account address that the token B administrator has deposited in advance. At the same time as sending the payment amount of the ‘settlement standard token’ to the payment account address of application A, the paid token B is transferred from the payment requester’s electronic wallet address to the token B settlement account of the token B manager registered in the settlement management unit, and token B Informing the administrator of the status of the holding amount of the settlement standard token and notifying the charging message of the settlement standard token; exchange a specific token with another token in real time to make payment so that it can be used for e-commerce, and the token provider of the electronic wallet It is achieved by providing a technical processing method for real-time settlement processing between the

In a preferred embodiment, the 'settlement standard token' in step (h) is characterized in that it can be replaced with legal currency, gift certificates, or socially used financial securities.

A number of tokens stored in an electronic wallet using a distributed ID based on a block chain according to the present invention having the above characteristics and corresponding applications provide the possibility of mutual settlement through a 'settlement standard token' to provide specific tokens and applications. The advantage of overcoming the problems of the past, which only worked, and the ability to implement the functionality as a settlement tool,

Through the interchangeability of tokens, the scope of application usage of electronic wallet users is expanded, token issuer and holder satisfaction is increased, application activation and electronic wallet utilization are increased, advantages, and

In addition, applications that connect offline and online can be tokenized, and each application shares the entire e-wallet user with the advantage of maximizing the sales potential of the application;

In addition, with the introduction of 'settlement standard token', payment fees that may occur in commerce can be reduced. It is an invention that is expected to be widely used in industry.

1 is a block diagram showing the connection between an electronic wallet, a settlement system, and a block chain node used for an exchange and settlement method between a plurality of tokens in an electronic wallet using a distributed ID according to an embodiment of the present invention. , 2 is a detailed flowchart illustrating a process of settlement and settlement when a transaction is made in an application with different tokens in an electronic wallet according to an embodiment of the present invention.

Hereinafter, the configuration and operation of an embodiment of the present invention will be described in detail in connection with the accompanying drawings. In addition, in describing the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the gist of the present invention, the detailed description thereof will be omitted.

1 is an electronic wallet 100 having a function of transacting a number of tokens used by an electronic wallet user using a distributed ID and an application access function using the token according to an embodiment of the present invention, an application in the electronic wallet When using the access button to access the application server 200 and pay with tokens, the payment settlement system 300 and the electronic wallet 100 connect the application server 200 and the electronic wallet to process payment and settlement. A distributed network is constituted by a blockchain node 400 that records settlement and settlement transactions between tokens in the settlement system 300 .

As shown, the electronic wallet 100 used for the exchange and payment settlement method between a plurality of tokens according to the present invention can be generally distinguished from other electronic wallets by a distributed ID, and a plurality of token modules 110 and additional functions It is composed of a module 120 and is normally operated in a digital device using a wired/wireless Internet. For example, the digital device refers to any Internet-connectable device including a PC, a notebook computer (laptop), a server, a mobile phone (smartphone), a tablet, a PDA, and the like.

The token module 110 of each electronic wallet 100 is composed of a lower token transaction function 111 and an application connection function 112 that can use the corresponding token, and the token module 110 is configured with the electronic wallet in advance. It is created in the connected token management server and registered in advance as one token module 110 of the electronic wallet 100 . The token transaction function 112 may be connected to the block chain node 300 to transmit/receive a token of the corresponding token with another electronic wallet 100 . The application access function 111 belonging to the token module 110 has an access button inside the token module 110 when the internet address of the application server 200 is input when registering the corresponding token in the token management server connected to the electronic wallet. created and the user of this electronic wallet can use the application by accessing the application server 200 through the application connection function 111 in the corresponding token module.

The payment settlement system 300 uses the application through the application access function 112 in the token module 110 of the electronic wallet, and uses the certificate embedded in the electronic wallet using the distributed ID of the electronic wallet to the application server ( 200) to perform access authentication. When the owner of the electronic wallet 100 uses the certificate of the electronic wallet to log in to the application server 200 and then pays with the corresponding token of the token module 110, the corresponding token amount displayed in the wallet is the amount of tokens required for payment If there is more, the payment is processed and the token is transferred to the application's payment wallet address.

(pre-step)

first,

E-wallet using a distributed ID E-wallet 100 with a function of transacting a number of tokens used by users and an application access function using tokens, and an application access button in the e-wallet to the application server 200. When connecting and paying with tokens, payment and settlement between the tokens in the payment settlement system 300 and the electronic wallet 100 and the settlement settlement system 300 that connect the application server 200 and the electronic wallet to process payment and settlement A distributed network is constituted by blockchain nodes 400 that record transactions.

(Stage 1)

An electronic wallet user who registers each token used in the electronic wallet through the electronic wallet management server has several tokens, that is, a plurality of token modules 110 are displayed in the electronic wallet, and each token module 110 is a token transaction. It goes through the steps of having an electronic wallet having a function 111 , an application connection function 112 , and various additional function modules 120 .

(Step 2)

The application server 200 is provided by using the application access 111 button in the token module 110 of the token A while the owner of the electronic wallet 100 holds several tokens in the electronic wallet and holds a specific token B. Go through the steps of logging in through the user screen of the application.

(Step 3)

When a user applies for token payment in the application, the token payment module shows a list of available tokens, and the wallet user selects a token for payment from the list of tokens and transmits it to the payment settlement server 300 .

(Step 4)

When the token payment module of the application server 200 requests the payment processing unit 301 of the payment settlement server 300 for the type of token required for payment and whether payment is possible to the payment settlement server, the payment processing unit 301 sends the application server 200 ) to check the amount of payment tokens held in the blockchain system using the distributed ID of the electronic wallet sent by Each payment requester goes through the steps of checking the token holdings of the e-wallet address. In the case of payment with token A, the payment is processed through (step 5) to (step 6), and token B (step 7) to (Step 10) go through the payment processing step.

(Step 5)

After checking the amount of holding of the payment requester's electronic wallet address in the payment settlement server 300, it is checked whether the amount of holding is sufficient.

(Step 6)

If the amount of token A holding of the payment requester's electronic wallet address is more than the amount required for payment, the payment processing unit 301 transmits token A from the address of token A of the electronic wallet to the address of the payment electronic wallet of the application provider and completes the payment If the amount of tokens in the e-wallet address is insufficient for payment, a payment impossible message is sent to the application server as a message indicating the reason for non-payment, and the application server displays it on the user screen of the electronic wallet. Steps to complete processing.

(Step 7)

If the payment requester pays with the token B of the electronic wallet address, the payment processing unit 301 receiving the payment request from the application server must check whether the payment processing can be made from token A to token B. The payment processing unit ( 301) converts the payment amount of token A to the payment amount of token B using the exchange rate between token A and token B through the settlement standard token exchange rate calculator 303, and then After checking whether the amount of token B holding is sufficient than the amount of payment of token B, if the amount of token B required for payment is insufficient, a payment impossible message is sent to the application server 200, and if the amount of token B is sufficient, the settlement process proceeds go through the steps

(Step 8)

In the above step, if the amount of token B held in the payment wallet is greater than the amount required for payment, the token B used for payment is converted into a 'settlement standard token' and goes through a step.

(Step 9)

Through the above steps, the settlement processing unit 304 determines that the amount of holding of the settlement standard token account of the token B application registered in advance in the settlement management unit 305 is sufficient to exchange the settlement standard token payment amount in terms of the token B payment amount. check, and if the settlement standard token holding amount is insufficient, the reason for unsatisfactory payment is transmitted to the application server 200 as a message, and if the settlement standard token holding amount is sufficient, the settlement process proceeds.

(10 steps)

If the amount of token B's holding standard token account is greater than the amount of 'settlement standard token' payment required for payment, the settlement processing unit 304 performs the 'settlement standard token' account address that the token B administrator has deposited in advance. At the same time as sending the payment amount of the ‘settlement standard token’ to the payment account address of application A, the paid token B is transferred from the payment requester’s electronic wallet address to the token B settlement account of the token B manager registered in the settlement management unit, and token B Notifying the manager of the status of the settling standard token holdings and notifying the charging of the settling standard token; real-time exchange processing of a specific token with another token for use in e-commerce and payment between the token providers of the e-wallet This is achieved by providing a technical processing method for real-time settlement processing.

The alternative means of 'settlement standard token' used in step (8) above is,

(first) fiat currency;

(Second) a specific token designated by token managers through a contract in advance;

(Third) a gift certificate stating the value of socially accepted legal currency;

(fourth) financial securities with stable values; may be any one of

The present invention is not limited to the specific preferred embodiments described above, and without departing from the gist of the present invention as claimed in the claims, anyone with ordinary skill in the art to which the invention pertains can implement various modifications Of course, such modifications are intended to be within the scope of the claims.

The present invention is an important factor enabling cooperative services between various industries by increasing the compatibility between tokens of electronic wallets so that applications for specific tokens can be paid with other tokens in a distributed ID-based token wallet using multiple block chains. As a technology, it is an important element technology to expand the market and share the user base through the utilization of blockchain-based tokens through electronic wallets and collaboration between different industries.

(100): electronic wallet (110): token module (111): application connection (112): Token Transaction Department (120): additional function module (200): application server (300): payment settlement system (301): payment processing unit (302): Payment management department (303): Settlement Standard Token Exchange Rate Calculation Department (304): settlement processing unit (305): Settlement Management Department (400): blockchain node

Claims (2)

An electronic wallet user has an electronic wallet that has a function to trade a number of tokens using a distributed ID for a number of tokens called virtual assets and an application access function that uses the tokens, and uses the application access button in the electronic wallet. When accessing the application server and paying with tokens, it is distributed into a payment settlement system that connects the application server and electronic wallet to process payments and settlement, and a blockchain node that records payments and settlement transactions between the electronic wallet and tokens in the payment settlement system. After configuring the network and work, (a) the electronic wallet user who registers each token used in the electronic wallet through the electronic wallet management server displays multiple tokens, that is, multiple token modules in the electronic wallet. and each token module has an electronic wallet having a token transaction function, an application connection function, and several additional function modules; and (b) the electronic wallet 100 owner holds several tokens in the electronic wallet and Logging in through the user screen of the application provided by the application server using a button having an application connection function in the token module 110 of the token A while holding the token B; and (c) the user in the application using the token When a payment is requested, the token payment module shows a list of available tokens, and the wallet user selects a token to be paid from the list of tokens and transmits it to the payment settlement server; and (d) the application server to the payment settlement server for payment. When a request is made to the payment processing unit of the payment settlement server for the type of token required and whether payment is possible, the payment processing unit uses the distributed ID of the electronic wallet sent by the application server 200 to check the amount of payment tokens in the block chain system and The amount of tokens required is checked. At this time, payment with token A is divided into the case of payment with token A in application A and the case of payment with another token B. A step of processing payment by dividing into the case of payment with token B and the case of payment with token B; and (e) case of payment with token A Right, the payment settlement server checks the holding amount of the payment requester's e-wallet address and then checking whether the holding amount is sufficient; and (f) when paying with token A, the amount of token A holding of the payment requester's electronic wallet address is required for payment. If it is sufficient than the required quantity, the payment processing unit 301 transmits the token A from the address of the token A of the electronic wallet to the address of the payment electronic wallet of the application provider and completes the payment, and the token holding amount of the electronic wallet address is greater than the amount required for payment If insufficient, the payment impossible message is transmitted to the application server as a message indicating the reason for the inability to pay, and the application server completes the payment processing of token A through the process of displaying it on the user screen of the electronic wallet; and (g) payment with token B In this case, the payment processing unit 301 receiving the payment request from the application server must check whether the payment processing can be settled from token A to token B. After converting the payment amount of token A to the payment amount of token B using the exchange rate with the settlement standard token of B, check whether the amount of token B holding in the payer’s electronic wallet is sufficient than the payment amount of token B, If the quantity of token B is insufficient, a message that cannot be paid is sent to the application server 200, and if the quantity of token B is sufficient, proceeding to the settlement process; and (h) the amount of token B held in the payment wallet is paid in the above step If it is sufficient than the quantity required for payment, converting the token B used for payment into a 'settlement standard token'; Confirms that the holding amount of token B is not sufficient to exchange the settlement standard token payment amount converted to the payment amount of token B. If sufficient, proceeding with settlement; and (j) If the amount of token B’s holding standard token account is greater than the amount of ‘settlement standard token’ required for payment, the settlement processing unit deposits the token B manager in advance The amount of 'settlement standard token' is transferred from the deposited 'settlement standard token' account address to the payment account address of application A, and the paid token B is transferred from the payment requester's e-wallet address to the token B manager registered in the settlement management department. e-commerce by exchanging a specific token with another token in real-time, characterized in that it is transmitted to the token B settlement account of A method of making payments so that it can be used for payment and real-time settlement processing between token providers of electronic wallets. The method according to claim 1, Fiat currency as an alternative to the 'settlement standard token' in step (h), a specific token designated by token managers in advance through a contract, a gift certificate with the value of legal currency commonly used in society, and financial securities with stable value A method of real-time exchange processing of a specific token for another token using , so that it can be used for e-commerce transactions, and real-time settlement processing between token providers of the e-wallet.

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