KR20220130359A - Method for processing financial businessusing virtual account using the qr code in off line - Google Patents

Abstract

The present invention relates to a payment method enabling instant cash payment through QR code scanning when using a virtual asset held in a mobile wallet as payment for a product at a store. The payment method comprises: a step ① of requesting payment for a product by scanning a QR code of a mobile wallet (1200) at a terminal (1300) in a store; a step ② of, if the payment is requested, transacting the virtual asset with cash at the exchange as much as the maximum purchase price of the virtual asset formed at the time of payment; a step ③ of converting the virtual asset, held by the member, into cash as much as the product price (based on the maximum purchase price formed at the time of payment) and finishing the payment (or payment data is transferred to a PG company); and a step ④ of deducting the virtual asset or cash held by the member when the payment is finished. A virtual asset may be converted into cash in real time.

Description

A payment method that enables instant cash payment by scanning the QR code for virtual assets held in the mobile wallet {METHOD FOR PROCESSING FINANCIAL BUSINESSUSING VIRTUAL ACCOUNT USING THE QR CODE IN OFF LINE}

The present invention relates to a payment method that enables instant cash payment by scanning a QR code when a virtual asset held in a mobile wallet is used as a payment for a product at a store. When making a payment, the payment is made by scanning the QR code linked with the mobile wallet to the terminal of the store. It is an invention.

As the evolution of conventional IT technology and business models and the spread of smart payment trends, unofficial virtual currency has appeared. One of the reasons is that it is intended to replace the legal currency issued by the central bank, and that it is used for illegal activities such as bankruptcy of exchanges, tax evasion, money laundering, and drug trafficking.

Bitcoin is based on a network that individually connects users' computers around the world, and there is no issuer and anonymity is guaranteed. The fact that direct transactions are possible as long as the system is connected to the Internet without currency exchange or credit card, which is a useful means of exchange and payment in terms of convenience and cost reduction.

In the future, it is expected that the utility of virtual currency will increase and the number of users will increase through convergence that absorbs the advantages of different types such as improved exchangeability with fiat currency and expansion of online and offline usage. In light of the situation in which virtual currency is held as an asset rather than as a general currency or payment method that has the function of measuring value and guaranteeing value, research and research to support the role of virtual currency as currency or equivalent funds or means of payment is currently incomplete.

The conventional method of creating the first mobile wallet is as described below as shown in FIG. 1 .

As a step (1), the virtual asset user 200 selects a virtual asset to be used as the electronic wallet app 100 and requests creation of an electronic wallet for the virtual asset.

② As a step, the electronic wallet app 100 creates an electronic wallet.

As a step (3), the electronic wallet applet 300 is requested to generate a key pay corresponding to the generated electronic wallet.

In step ④, the electronic wallet applet 300 generates a key pair (public key and private key) in response to a key pair generation request from the electronic wallet app 200, and sends the generated key pay to the electronic wallet applet 300 save to

In step ⑤, the electronic wallet applet 300 delivers the public key among the generated key pairs together with the key pair generation result to the electronic wallet app 200 .

In step ⑥, the electronic wallet app 200 checks the key pair generation result and stores the public key received from the electronic wallet applet 300.

In step ⑦, the electronic wallet app 200 notifies the user of the electronic wallet creation result.

The following is a description of the conventional QR code generation method and store scanning method as shown in FIG. 2 below.

As a step (1), payment amount information is collected after the products to be paid are recognized using the existing POS system.

As a step ②, the collected payment amount, company information, and payment account information registered in advance in the system to which the QR code generation technology is applied are collected to generate a QR code with the corresponding data combination.

As a step (3), the generated QR code is analyzed to collect payment account information and company information again, and a comparison procedure with the company information registered in the central server 1000 is performed to verify whether the payment information is valid.

As a step (4), if the verification fails (due to QR code falsification, etc.), the administrator is notified, and after recording the altered information in the central server 1000, the payment is stopped without further processing.

As step ⑤, if the generated QR code verification is successful, the QR code is output on the screen so that the payer can scan it.

As step ⑥, when the payer scans the printed QR code, the company information, payment account information, and payment amount are automatically entered by analyzing the QR code.

As step ⑦, payment errors are minimized by making the automatically entered information impossible for the payer to arbitrarily change.

As step ⑧, the payment information is requested to be confirmed by the central server.

In step ⑨, the central server 1000 confirms whether the information matches and then completes the approval.

As step ⑩, the payer simply completes the payment through the authentication process (payment password, biometrics, etc.).

However, in the conventional virtual currency transaction, when a user who owns a virtual asset purchases a product at a store and pays for it, a method of making a payment by scanning a QR code linked with a mobile wallet to a terminal of the store has not been developed, At this time, since there was no payment method that enables real-time payment processing by immediately transacting virtual assets on the exchange and returning them to cash, there is a problem in that the payment method of virtual currency does not make instant cash or card payment.

The present invention was devised to solve this problem, and when a user who owns a virtual asset purchases a product at a store and pays for it, the payment is made by scanning the QR code linked with the mobile wallet to the terminal of the store. The purpose of this is to provide a payment method that enables real-time payment processing by immediately transacting virtual assets on the exchange and returning them to cash.

The present invention is a payment processing method that allows cash payment by a QR code for virtual currency payment. As a step ①, the step of requesting payment for a product by scanning the QR code of the mobile wallet 1200 to the terminal 1300 of the store. ; As a step ②, when a payment is requested, a virtual asset and cash transaction are made at the exchange by the maximum purchase price of the virtual asset formed at the time of payment; ③ As a step, the virtual assets (based on the maximum purchase price formed at the time of payment) held by the member as much as the product price are converted into cash and the payment (or PG company) is completed; As a step (4), when the payment is completed, virtual assets or cash held by the member are deducted; It is a payment method that enables instant cash payment by scanning a QR code for virtual assets held in a mobile wallet, characterized in that it consists of

And, the present invention is a method of payment by an offline scanning procedure using a QR code. In step ①, the customer executes the electronic wallet 1200 to order an item at the store 1300 and then holds a virtual scanning the QR code of the electronic wallet 1200 to the QR code of the store after selecting a virtual asset to be paid among the assets; As a step ②, when the authentication information is confirmed, the virtual asset and cash transaction are made in the virtual asset exchange 1100 by the maximum purchase price of the virtual asset formed at the time of payment; As a step (3), the offline store 1300 transmits transaction information and payment information for a payment approval request to the PG company 1400; As a step (4), the PG company (1400) requesting transaction approval from the bank through the value-added network operator (VAN) (1410); In step ⑤, the bank 1500 notifying the payment approval information to the PG company via the VAN company; In step ⑥, the PG company 1400 notifying the store that the transaction is approved; In step ⑦, the offline store 1300 operator notifying the customer of the order and payment results; In step ⑧, the PG company 1400 requests payment to the bank 1500 through the VAN company; In step ⑨, the bank 1500 pays the payment to the PG company 1400; In step ⑩, the PG company 1400 delivers the remaining amount excluding the payment fee to the offline store 1300 operator; In step ⑪, when paying with virtual assets, the number of virtual assets is deducted from the customer's electronic wallet 1200 by the amount of payment; As step ⑫, when cash payment occurs, the balance is changed by the amount of the payment; It is a payment method that enables instant cash payment by scanning a QR code for virtual assets held in a mobile wallet, characterized in that it consists of

As described above, in the present invention, when a user who owns a virtual asset purchases a product at a store and pays for it, the payment is made by scanning the QR code linked with the mobile wallet to the terminal of the store. It has the technical effect of enabling real-time payment processing by immediately transacting on the exchange and returning it to cash.

1 is a schematic diagram of a system for a method of creating a first mobile wallet of the prior invention;
Figure 2 is a schematic diagram of a system related to a method for generating a QR code of the prior invention and a method for payment by a scanning procedure in a store
3 is a schematic diagram of a system of a payment processing method capable of cash payment by a QR code for virtual currency payment of the present invention
Figure 4 is a schematic diagram of a system related to a method of payment by the procedure of scanning offline using the QR code of the present invention
5 is a table showing a price determination method in a payment processing method that allows immediate cash payment when using a virtual account for virtual currency payment of the present invention
6 is a conventional card registration method applied to the present invention.

Hereinafter, the present invention will be described in detail so that those skilled in the art can easily understand and reproduce it through preferred embodiments of the present invention described with reference to the accompanying drawings.

The term 'virtual asset' is repeatedly expressed as 'virtual currency' for convenience, but it is the same term.

The term 'mobile wallet' is repeatedly expressed as 'electronic wallet' for convenience, but it is the same term.

3 is a schematic diagram of a system of a payment processing method capable of cash settlement by a QR code for virtual currency payment of the present invention, and FIG. 4 is a method of payment by an offline scanning procedure using the QR code of the present invention. It is a schematic diagram of the related system.

The payment processing method that enables cash payment by the QR code for virtual currency payment of the present invention is as follows.

As a step (1), payment for the product is requested by scanning the QR code of the mobile wallet 1200 on the terminal 1300 of the store.

In step ②, when a payment is requested, a virtual asset and cash transaction are made on the exchange by the maximum purchase price of the virtual asset formed at the time of payment.

In step ③, the virtual assets held by the member as much as the product price (based on the maximum purchase price formed at the time of payment) are converted into cash and the payment (or PG company) is completed.

In step ④, when the payment is completed, the virtual assets or cash held by the member are deducted.

The following describes an example of settlement based on virtual currency and cash holdings in sub-accounts.

1) When there is only virtual assets and there is no cash in the child account, the virtual asset is traded in cash equal to the maximum purchase price of the virtual asset at the time of payment, and the balance of the child account changes by this amount.

2) When there are virtual assets and cash in the child account, the virtual assets are first traded on the exchange and settlement is made. .

3) When there is no virtual asset and there is only cash in the child account, the transaction between the virtual asset and cash does not proceed and the payment is made immediately, resulting in a change in the balance equal to the payment amount in the child account (same as with a general check card).

4) When there is no virtual asset and there is no cash in the sub-account, payment cannot be made (insufficient balance).

Next, a schematic diagram of a system related to a method of payment by an offline scanning procedure using the QR code of the present invention will be described.

As a step ①, the customer executes the electronic wallet 1200 to order an item in the store 1300, selects a virtual asset to be paid among the virtual assets possessed, and then scans the QR code of the electronic wallet 1200 with the QR code of the store. scan the code

In step ②, when the authentication information is confirmed, a virtual asset and cash transaction are made in the virtual asset exchange 1100 by the maximum purchase price of the virtual asset formed at the time of payment.

In step (3), the offline store 1300 transmits transaction information and payment information for a payment approval request to the PG company 1400 .

In step ④, the PG company 1400 requests transaction approval from the bank through the value-added network operator (VAN) 1410 .

In step ⑤, the bank 1500 notifies the payment approval information to the PG company via the VAN company.

In step ⑥, the PG company 1400 notifies the store that the transaction is approved.

In step ⑦, the offline store 1300 operator notifies the customer of the order and payment result.

In step ⑧, the PG company 1400 requests payment of the payment to the bank 1500 through the VAN company.

In step ⑨, the bank 1500 pays the payment to the PG company 1400.

As step ⑩, the PG company 1400 delivers the remaining amount excluding the payment fee to the offline store 1300 operator. (Settlement of payment)

In step ⑪, when paying with virtual assets, the number of virtual assets is deducted from the customer's electronic wallet 1200 by the amount of payment.

As step ⑫, when paying in cash, the balance is changed as much as the payment amount.

The following describes a method in which a price is determined during a virtual currency transaction in FIG. 5 .

5 is a table showing a price determination method in a payment processing method that allows immediate cash payment when using a virtual account for virtual currency payment of the present invention, and FIG. 6 is a conventional card registration method applied to the present invention.

The transaction price of virtual currency is determined based on the selling price and the buying price at the time of payment. When purchasing a virtual currency with cash at the time of payment, a high-priced purchase proceeds, and a low-priced sale proceeds when selling a virtual currency.

5 shows the asking price, the asking price, and the asking price as follows.

Assume that the current trading status of the exchange is as above.

For example, if a member who owns 1000 virtual currencies pays 200,000 won, the first selling price of the virtual currency is 1,900 won, which is the closest to the asking price. Since the number of virtual currencies designated to be purchased at 1,900 won is 100, a virtual currency transaction worth 190,000 won is made first. In this case, the virtual currency is traded at the next purchase price of 1,800 won, and about 5.6 virtual currencies are returned to 10,000 won in cash.

As a result, in the above transaction situation, when a member with 1000 virtual currencies pays 200,000 won, about 105.6 virtual currencies are traded, and the amount of virtual currency is deducted as much as the transaction, so the member has 894.4 virtual currencies after payment.

The following describes a virtual asset payment system using a credit card.

The system is built to enable payment by credit card as well as check card. Credit card payment is the same as the check card payment process. However, the difference is that the balance is not changed as much as the amount paid directly from the parent account, but the payment is made with the credit card connected to the parent account.

Next, the card registration method of the present invention will be described.

6 is a conventional card registration method applied to the present invention.

Then, a payment card registration screen display step of displaying a screen for registering a payment card (S1311);

Next, a card registration step of scanning and registering a payment card (S1312); otherwise, a card registration step of registering by directly inputting the contents of the payment card (S1313);

As input in the card registration step (S1313), the card number (16 digits) (S1314a) and expiration date (MM/YY) (S1314b), and CVC (3 digits on the back side) (S1314c), the card password (the first 2 digits) A card information input step (S1314) of inputting (S1314d); is performed.

When the card is registered as above, the “card number/expiration period/CVC/card password” input from the customer is sent to the relevant card company, and the customer information and phone number are sent from the card company to the card information and phone number. Card information DB storage step (S1316) of finally storing card information in a DB through a step of setting a card nickname (S1315); When , it ends (S1317).

However, by receiving the customer's information and the customer's phone number from the credit card company, it determines whether the card information and the phone number match.

The protection scope of the present invention is not limited to the description and expression of the embodiments explicitly described above. In addition, it is added once again that the protection scope of the present invention cannot be limited due to obvious changes or substitutions in the technical field to which the present invention pertains.

100: Mobile Wallet App
200: virtual asset user
300 : Mobile Wallet Applet
1100 : Exchange
1200: mobile wallet (electronic wallet)
1300 : store
1400: PG company
1500: bank

Claims (2)

As a payment processing method that allows cash payment by QR code for virtual currency payment,
In step ①, by scanning the QR code of the mobile wallet 1200 to the terminal 1300 of the store, requesting payment for the product;
As a step ②, when a payment is requested, a virtual asset and cash transaction are made at the exchange by the maximum purchase price of the virtual asset formed at the time of payment;
③ As a step, the virtual assets (based on the maximum purchase price formed at the time of payment) held by the member as much as the product price are converted into cash and the payment (or PG company) is completed;
As a step (4), when the payment is completed, virtual assets or cash held by the member are deducted;
A payment method that enables instant cash payment by scanning a QR code for virtual assets held in a mobile wallet, characterized in that
As a method of payment by the procedure of scanning offline using a QR code,
As a step ①, the customer executes the electronic wallet 1200 to order an item in the store 1300, selects a virtual asset to be paid among the virtual assets possessed, and then scans the QR code of the electronic wallet 1200 with the QR code of the store. scanning the code;
As a step ②, when the authentication information is confirmed, the virtual asset and cash transaction are made in the virtual asset exchange 1100 by the maximum purchase price of the virtual asset formed at the time of payment;
As a step (3), the offline store 1300 transmits transaction information and payment information for a payment approval request to the PG company 1400;
As a step (4), the PG company (1400) requesting transaction approval from the bank through the value-added network operator (VAN) (1410);
In step ⑤, the bank 1500 notifying the payment approval information to the PG company via the VAN company;
In step ⑥, the PG company 1400 notifying the store that the transaction is approved;
In step ⑦, the offline store 1300 operator notifying the customer of the order and payment results;
In step ⑧, the PG company 1400 requests payment to the bank 1500 through the VAN company;
In step ⑨, the bank 1500 pays the payment to the PG company 1400;
In step ⑩, the PG company 1400 delivers the remaining amount excluding the payment fee to the offline store 1300 operator;
In step ⑪, when paying with virtual assets, the number of virtual assets is deducted from the customer's electronic wallet 1200 by the amount of payment;
As step ⑫, the step of generating a change in the balance as much as the payment amount in the case of cash payment;
A payment method that enables instant cash payment by scanning a QR code for virtual assets held in a mobile wallet, characterized in that

Images