KR20220135209A - Method for processing online product payment with cryptocurrency based on blockchain and apparatus thereof - Google Patents

Abstract

According to one embodiment of the present invention, disclosed is a method for processing online product payment with blockchain-based cryptocurrency. The method comprises the steps of: receiving permission to use a chain inside an exchange from an affiliated exchange server; receiving permission for inquiry and withdrawal of cryptocurrency included in a wallet of a user on condition of the prior consent of the user from the exchange server; receiving a cryptocurrency transmission request for product payment from a terminal of the user whose information on the prior consent is checked; checking product payment information included in the cryptocurrency transmission request and transmitting the cryptocurrency for the product payment from the wallet of the user to a temporary wallet of the exchange; and transmitting the cryptocurrency for the product payment from the temporary wallet to a wallet of a product seller through the chain. According to the present invention, it is possible to conveniently perform online product payment through blockchain-based cryptocurrency.

Description

Method for processing online product payment with cryptocurrency based on blockchain and apparatus thereof

The present invention relates to a method of processing product payment using cryptocurrency, and more particularly, to a method for processing product payment in an online shopping mall using a block chain-based cryptocurrency and an apparatus for implementing the method it's about

A credit card is a convenient means for performing product payment through an online shopping mall. As multi-functional intelligent complex terminals such as smartphones are widely distributed, the process of paying for goods in an online shopping mall while moving has become simpler, and is performed through the process shown in FIG. 1 .

1 is a diagram schematically illustrating a data flow performed when online payment is performed with a credit card.

Referring to FIG. 1 , it can be seen that the online payment system 10 includes a network company 110 , an acquisition agency 130 , a card issuer 150 , an affiliate store 170 , and a consumer 190 .

The network company 110 receives a fee in exchange for the use of the network from the acquiring institution 130 and the card issuing company 150 .

The purchasing agency 130 purchases the card slip, receives an affiliated store fee from the affiliated store 170 , and pays the purchase price of the product to the affiliated store 170 . In addition, the purchasing agency 130 receives the payment from the card issuer 150 , and pays a settlement fee to the card issuer 150 .

The card issuer 150 may issue a card to the consumer 190 , charge the card price, receive the card price from the consumer 190 until the next month, and additionally receive an annual fee for using the card.

When the consumer 190 expresses an intention to purchase the product through a credit card, the affiliate 170 prepays the product to the consumer 190 on the basis of credit.

According to the online payment system 10 based on the above credit card, there is no change in the fee income of the network company 110, unlike card issuers, purchasing agencies, and payment agencies, which change in fee income depending on the payment method. none. As described above, the reason why the fee income of the network company 110 is fixed is that, in any payment, information of the counterparty and the payment confirmation process are essential. For example, if 100 dollars is paid with a card at a shopping mall, the merchant 170 usually pays $98, the card issuer 150 pays $1.5, the purchase agency 130 pays 0.35 dollars, and the network company 110 pays $98. In the form of receiving $0.15, the percentage of the fee taken by the network company 110 does not change.

The above online payment system 10 proceeds as a process of reading a credit card into a reader, inputting and approving a payment amount, when making a payment, but the actual payment process is complicatedly operated, and payment is performed while several operators are involved, There is a structural problem in that high fees are generated. In addition, since the seller who sells the product pays the product in advance through the credit sales method, and the product cost is settled as early as 3 days or as late as 90 days, the seller operating the franchise has a large burden on operating capital. can't help but

When the online payment system 10 described in FIG. 1 is implemented using cryptocurrency instead of a credit card, the above-described problems may be solved to some extent, but other problems may occur.

Cryptocurrency refers to digital money created using cryptographic technology, and is used in the form of encrypted data in a network-connected Internet space. Cryptocurrency is not only called virtual money because it exists in the form of digital data without real things such as banknotes or coins, but it is also used to safely store assets rather than as a payment method. It is also referred to as a crypto asset or a digital asset.

Most cryptocurrencies use decentralized peer-to-peer blockchain technology. Cryptocurrency is a kind of electronic money generated by various issuance methods such as, for example, PoW (Proof of Work) and PoS (Proof of Stake).

Bitcoin, the first cryptocurrency, was released in October 2008, and after the first unit of coin was issued in January 2009, it is recognized as a recognized trading asset to the extent that the Bitcoin Futures ETF will be listed in 2021. In the case of some companies, cryptocurrencies are becoming common enough to support product payment with Bitcoin.

The method of purchasing products in an online shopping mall using cryptocurrency is as follows. The product buyer purchases cryptocurrency through a cryptocurrency exchange, sends it to his cryptocurrency wallet, converts the cryptocurrency in the wallet to the type of cryptocurrency supported by the online shopping mall, and finally converts the converted cryptocurrency is transmitted to the product seller's cryptocurrency wallet, and payment for the product can be completed only after the transaction is completed.

In this process, if the initial withdrawal time limit of the exchange is taken or the market price of cryptocurrency changes rapidly, there is a problem in that it takes a lot of time to settle the product. In addition, high fees, which are set as fixed multiples of cryptocurrencies, can also be a problem. For example, the fee that a product buyer has to bear in the process of withdrawing bitcoin is 0.0009 bitcoin based on a specific exchange, and assuming that each bitcoin is 40 million won, a fee of 36,000 won is generated. In addition, the fact that it takes several to several tens of minutes to complete the transaction after receiving the approval of users in the node due to the nature of the block chain can be pointed out as a problem.

In the end, even if online product payment is made through cryptocurrency, payment delay, high fixed fee, uncertain predictability, and insufficient convenience are still problems, so an improved payment method and a cryptocurrency that can support the payment method are needed to be.

Republic of Korea Patent Publication No. 10-2019-0115792 (published on October 14, 2019)

The technical problem to be solved by the present invention is to provide a method for quickly and conveniently performing a payment for an online product through a blockchain-based cryptocurrency.

A method according to an embodiment of the present invention for solving the above technical problem includes the steps of: receiving permission to use a chain inside an exchange from an exchange server in which an alliance is completed; receiving permission from the exchange server to inquire and withdraw cryptocurrency included in the user's wallet on condition of user's prior consent; receiving a cryptocurrency transmission request for product payment from the terminal of the user whose information on the prior consent is confirmed; confirming the product payment information included in the cryptocurrency transmission request, and transmitting the cryptocurrency for product payment from the user's wallet to a temporary wallet of the exchange; and transmitting, through the chain, cryptocurrency for the product payment from the temporary wallet to the product seller's wallet in response to the product seller's request.

In the method, in the step of transmitting the cryptocurrency, in response to the request of the product seller, hedging is performed based on a preset value for the cryptocurrency for the product payment, and the result of the hedging Accordingly, it is possible to transmit cryptocurrency for the product payment.

In the method, in the step of transmitting the cryptocurrency, in response to the request of the product seller, the cryptocurrency for the product payment is exchanged for a cryptocurrency of a different type from that of the cryptocurrency included in the temporary wallet. can

A server according to another embodiment of the present invention for solving the above technical problem is a server implementing a method of processing an online product payment with a block chain-based cryptocurrency, wherein the server includes an external terminal of an exchange and an exchange server a communication unit for communicating; and a processing unit, wherein the processing unit is given the right to use the chain inside the exchange from the exchange server with which the alliance is completed, and subject to user's prior consent from the exchange server, the user's When the communication unit receives a request for sending a cryptocurrency for product payment from the user's terminal for which the information on the prior consent is confirmed, the communication unit receives the right to inquire and withdraw the cryptocurrency included in the wallet, Check the product payment information included in the cryptocurrency transmission request, transmit the cryptocurrency for product payment from the user's wallet to a temporary wallet of the exchange, and respond to the product seller's request Thus, the cryptocurrency for payment of the product is transmitted from the temporary wallet to the wallet of the product seller.

An embodiment of the present invention discloses a computer program stored in a computer-readable recording medium for executing the method.

According to the present invention, it is possible to conveniently perform online product payment through a blockchain-based cryptocurrency.

1 is a diagram schematically illustrating a data flow performed when online payment is performed with a credit card.
2 is a diagram schematically showing an overall system for implementing the method according to the present invention.
3 is a block diagram illustrating an example of an affiliate server 300 according to an embodiment of the present invention.
4 is a block diagram illustrating sub-modules included in the processing unit as another example of the processing unit described with reference to FIG. 3 .
5 is a flowchart illustrating an example of a method according to the present invention.

Since the present invention can apply various transformations and can have various embodiments, specific embodiments are illustrated in the drawings and described in detail in the detailed description. Effects and features of the present invention, and a method for achieving them will become clear with reference to the embodiments described below in detail in conjunction with the drawings. However, the present invention is not limited to the embodiments disclosed below and may be implemented in various forms.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, and when described with reference to the drawings, the same or corresponding components are given the same reference numerals, and the overlapping description thereof will be omitted. .

In the following embodiments, terms such as first, second, etc. are used for the purpose of distinguishing one component from another, not in a limiting sense.

In the following examples, the singular expression includes the plural expression unless the context clearly dictates otherwise.

In the following embodiments, terms such as include or have means that the features or components described in the specification are present, and the possibility that one or more other features or components are added is not excluded in advance.

In cases where certain embodiments may be implemented differently, a specific process sequence may be performed differently from the described sequence. For example, two processes described in succession may be performed substantially simultaneously, or may be performed in an order opposite to the order described.

The present invention is an invention of an epoch-making process in which product sellers can quickly settle product prices through exchanges internally, even if they do not open a wallet for each virtual asset exchange in the world.

2 is a diagram schematically showing an overall system for implementing the method according to the present invention.

Referring to FIG. 2 , the entire system 20 for implementing the present invention has an exchange server 210 , a buyer terminal 230 , a seller terminal 250 , and an affiliate server 300 are connected through a communication network 270 . you can see it works. 2 is a diagram for schematically explaining the operation of the entire system 20 for implementing the present invention, so the configuration of the communication system that is naturally included in order to implement the cryptocurrency payment system in this technical field, for example, A typical configuration such as an application programming interface (API) or a communication company server that provides and operates the communication network 270 necessary for effectively performing communication between different types of terminals has been omitted.

The exchange server 210 refers to a server operated by an exchange trading cryptocurrency. Here, the exchange opens a purchase service that allows users to purchase cryptocurrency with cash, a currency exchange service that allows users to exchange cryptocurrency into cash, and a wallet corresponding to cryptocurrency according to the user's request. In accordance with the user's request, the opening service provided by This means that Binance is a representative example.

Exchanges have their own chains in order to provide the above various services to a large number of users. For example, Binance supports Binance Chain and Binance Smart Chain (BSC) to support Binance Coin (BNB). Binance Chain is a chain optimized for fast transactions, and Binance Smart Chain is a chain that complements the scalability of Binance Chain, allowing developers to build dApps using smart contracts. Since the two blockchains, Binance Chain and Binance Smart Chain, operate in parallel, Binance Smart Chain can continue to operate even if Binance Chain goes offline, and vice versa.

The buyer terminal 230 means a terminal used by a buyer who purchases a product through an online shopping mall. As an example, a terminal used by a user who intends to purchase a computer by designating Bitcoin as a payment method in an online shopping mall may be the purchaser terminal 230 of FIG. 2 . Since the purchaser terminal 230 is a multifunctional intelligent complex terminal capable of communicating with the exchange server 210 and the affiliate server 300 through the network service provided by the communication network 270, it is shown in the form of a smartphone in FIG. but is not limited thereto. For example, the purchaser terminal 230 may be any one of a desktop PC, a tablet PC, a notebook computer, and a netbook differently from that shown in FIG. 2 .

An exchange application (exchange app) which is connected to the exchange server 210 and the communication network 270 through the communication network 270 and provides a user interface to the user to perform various authentication may be installed in the purchaser terminal 230 .

The seller terminal 250 refers to a terminal used by a seller who sells products through an online shopping mall. As an example, a terminal used by a seller who designates bitcoin as a payment method and sells a product in an online shopping mall may be the seller terminal 250 of FIG. 2 . In addition, the description of the seller terminal 250 may be replaced with the description of the buyer terminal 230 .

The communication network 270 performs a function of connecting the exchange server 210, the buyer terminal 230, the seller terminal 250, and the affiliate server 300, and includes various wired and wireless communication networks such as a data network, a mobile communication network, and the Internet. can do.

The affiliate server 300 refers to a server affiliated with the exchange server 210 . The affiliate server 300 may be physically or logically implemented inside the exchange server 210 , and the operating entity of the affiliate server 300 may be different from the operating entity of the exchange server 210 . The affiliate server 300 is affiliated with the exchange server 210 in advance, so that when a transaction occurs between a product buyer and a product seller, a transaction can be processed using the chain of the exchange server 210 under certain conditions. have.

In the method according to the present invention, the affiliate server 300 is physically or logically included in the exchange server 210, and through an alliance established in advance with the exchange server 210, withdrawal and transfer processing of cryptocurrency in an internal transfer method As it is possible to perform , fast transaction speed can be secured, and it has the advantage of low fees.

The affiliate server 300 may create a plurality of sub-accounts (nodes) while affiliating with the exchange server 210 , and then utilize it during a transaction. Here, the transaction through the sub-accounts may be performed by the chain provided by the exchange server 210 even if it is by the affiliate server 300 . When operated in the above manner, effects similar to the operation of several small-scale exchanges within the exchange can be expected.

For example, when withdrawing Tether, one of the stable coins, to another wallet, the fee is different for each type of chain, and since Tether is a coin based on Ethereum, Ethereum An external withdrawal fee of about 38,000 won (as of March 2022) is generated per withdrawal according to the chain fee. On the other hand, as in the present invention, when the affiliate server 300 is included for each exchange and externally withdraws Tether to a wallet of another exchange, the chain provided by the initial exchange can be used as it is, resulting in much lower fees. has the advantage of being A detailed process for generating the above advantages will be described in detail with reference to FIG. 4 .

In FIG. 2, only one exchange server 210 is shown for convenience of explanation, but the entire system 20 for implementing the method according to the present invention may include servers for all cryptocurrency exchanges. For example, Korea’s upbit, coinone, bithumb, korbit, dobiexchange, China’s Gate.io, binance, and bit Bitfinex, OKcoin, Huobi, U.S. bittrex, coinbase, gemini, kraken, poloniex, Japanese bit Flyer (bitflyer), coincheck (coincheck), bitpoint (bitpoint), etc. may be included as an independent exchange in the overall system 20 according to the present invention, in this case, 210-2, 210-3, 210-4, etc. The same unique reference number may be assigned to each exchange. In addition, the affiliate server 300 is physically or logically included for each exchange. In this case, in order to distinguish each affiliate server, a unique reference number such as 300-2, 300-3, 300-4, etc. It can be granted for each affiliate server.

3 is a block diagram illustrating an example of an affiliate server 300 according to an embodiment of the present invention.

Referring to FIG. 3 , it can be seen that the affiliate server 300 according to the present invention includes a database 310 , a communication unit 330 , a processing unit 350 , and an output unit 370 .

The affiliate server 300 according to an embodiment of the present invention may correspond to at least one or more processors or may include at least one or more processors. Accordingly, the affiliate server 300 and the communication unit 330 , the processing unit 350 , and the output unit 370 included in the affiliate server 300 are driven in a form included in a hardware device such as a microprocessor or general-purpose computer system. can be

The name of each module included in the affiliate server 300 shown in FIG. 3 is arbitrarily named to intuitively explain the representative function performed by each module. When the affiliate server 300 is actually implemented, each module may be given a name different from the name shown in FIG. 3 .

Also, the number of modules included in the affiliate server 300 of FIG. 3 may vary each time according to an embodiment. More specifically, the affiliate server 300 of FIG. 3 includes a total of four modules, but according to an embodiment, at least two or more modules are integrated into one module, or at least one or more modules are separated into two or more modules. It may be implemented in the form

The database 310 stores various data necessary for the affiliate server 300 to operate. As an example, the database 310 stores an integrated management program for controlling the operation of the affiliate server 300 , and the database 310 includes data received by the communication unit 330 from the exchange server 210 and an external terminal. can be received and stored.

The communication unit 330 performs a function of transmitting the results processed by the processing unit 350 to the outside while communicating with the exchange server 210 and an external terminal, or receiving various data for processing by the processing unit 350 . The communication unit 330 may include a module for accessing and authenticating a communication network in order to use various wired and wireless communication networks such as a data network, a mobile communication network, and the Internet.

The processing unit 350 processes the data received by the communication unit 330 and data to be transmitted. A specific function of the processing unit 350 will be described later with reference to FIG. 4 .

The output unit 370 receives a command from the processing unit 350 and performs a function of calculating and outputting various data. As an example, the output unit 370 may output the result data processed by the processing unit 350 and transmit it to the communication unit 330 .

4 is a block diagram illustrating sub-modules included in the processing unit as another example of the processing unit described with reference to FIG. 3 .

Referring to FIG. 4 , the processing unit 350 includes a first permission processing unit 351 , a second permission processing unit 353 , a payment request processing unit 355 , a temporary processing unit 357 , and a regular processing unit 359 . can The processing unit 350 of FIG. 4 includes a total of five modules, but according to an embodiment, at least two or more modules among the modules included in the processing unit 350 may be integrated into one module, or at least one or more modules may include two modules. It may be implemented in a form separated into the above modules. Hereinafter, for convenience of description, it will be described with reference to FIGS. 2 and 3 .

The first permission processing unit 351 may be given the right to use the chain inside the exchange from the exchange server 210 in which the alliance has been completed. Specifically, the first permission processing unit 351 may process the function of receiving authentication of the affiliate server 300 from the exchange server 210 and granting the right to use the chain provided by the exchange according to the preset alliance. , for example, if the exchange is Binance, the affiliate server 300 provides information on Binance Chain, which guarantees fast transaction speed for Binance Coin (BNB), and Binance Smart Chain (BSC) with improved scalability. You will be given permission to use it.

The second permission processing unit 353 is given the right to inquire and withdraw cryptocurrency included in the user's wallet from the exchange server 210 on condition of the user's prior consent, and to It can perform functions to process data. Here, the user means a product buyer using the purchaser terminal 230 in FIG. 2 , and the user's wallet means a hot wallet created by the user at the exchange. In addition, the right to inquire about cryptocurrency means the right to inquire information on the type and number of cryptocurrencies included in the wallet, and the right to withdraw cryptocurrency is the right to check the cryptocurrency stored in the user's wallet. It means the right to withdraw money in order to transfer it to another person's wallet. The second permission processing unit 353 receives and stores information on the user's prior consent, and when there is a request for a product purchase contract by the user, even if there is no separate consent, the user's It allows you to inquire the cryptocurrency included in the wallet and withdraw the amount of cryptocurrency corresponding to the payment amount.

The payment request processing unit 355 may receive a cryptocurrency transmission request for product payment from the user's terminal (meaning the purchaser terminal 230) for which the information on prior consent is confirmed. Specifically, the payment request processing unit 355 analyzes the information received from the communication unit 330, and performs a function of determining whether the analyzed information is a request for transmission of cryptocurrency for product payment, and a temporary processing unit 357 for the determined result. It can perform the function of forwarding to . That is, in the cryptocurrency transmission request received by the payment request processing unit 355, metadata such as information on the online shopping mall where the user purchased the product, the price of the product purchased by the user, and information on when the user purchased the product, etc. (metadata) is included as information for product payment.

The temporary processing unit 357 may check information on product payment included in the cryptocurrency transmission request, and transmit cryptocurrency for product payment from the user's wallet to a temporary wallet of the exchange. Here, the temporary wallet means a wallet in which the cryptocurrency corresponding to the product price is temporarily stored before being delivered to the product seller. Since the affiliate server 300 has received the right to use the chain of the exchange in a state of being affiliated with the exchange server 210, it is possible to perform cryptocurrency transfer to a temporary wallet as quickly as an internal transfer and complete the transaction on the ledger. . The cryptocurrency (product price) stored in the temporary wallet may be later transmitted to the product seller's wallet according to the product seller's request for settlement, or it may be converted into a currency unit of the type desired by the product seller and deposited into the product seller's financial account. That is, the temporary wallet can be understood as a third-party wallet for product sellers (merchants), and refers to a wallet that is automatically created only when payment according to the product purchase contract is required in the process of the present invention.

In response to the request of the seller terminal 250 , the regular processing unit 359 may transmit and process the cryptocurrency corresponding to the product price from the temporary wallet to the wallet of the product seller through the chain of the exchange. The product seller may request to transmit the cryptocurrency corresponding to the product price to the wallet managed by the product seller through the seller terminal 250 , and the regular processing unit 359 performs this.

As an optional embodiment, the regular processing unit 359 performs hedging based on a preset value for the cryptocurrency (product price) for product payment in response to the product seller's request, and responds to the result of hedging. Therefore, it is also possible to transmit cryptocurrency for product payment to the product seller's wallet. This optional embodiment takes into account the rapid value volatility of cryptocurrency, and when the market price of cryptocurrency plummets while the product seller receives the product price, the affiliate server 300 performs hedging, and the product generated It can compensate the seller for losses within a certain range.

For example, even if the cryptocurrency paid for the product price sharply plummets and drops 5% in 10 minutes, the regular processing unit 359 can protect the product seller's loss by about 2.5% through hedging. The regular processing unit 359 can guarantee a portion of possible losses from the time the cryptocurrency corresponding to the product price is sent to the temporary wallet through various futures, options, and swaps until the product seller finally turns the cryptocurrency into cash. have.

In addition, the affiliate server 300 may encourage the use and storage of cryptocurrency (or recommended cryptocurrency) issued by the operator of the affiliate server 300 by providing a hedging function for only some cryptocurrencies. For example, if a product buyer using a domestic exchange paid Klaytn (KLAY) as the product price, the regular processing unit 359 may detect Klaytn sent to the temporary wallet and execute a hedging function. As another example, the product purchaser If BTC has been paid as the product price, the regular processing unit 359 may deactivate the hedging function. That is, this hedging function operates as a reward for the user using a specific cryptocurrency, and if the product seller deactivates the hedging function while saying that he wants to be paid for the product in a specific currency unit in advance, the regular processing unit 359 is By converting the cryptocurrency stored in the temporary wallet into Tether (USDT), it is possible to minimize the volatility of the product price.

As another optional embodiment, the regular processing unit 359 may convert the cryptocurrency (product price) for product payment stored in the temporary wallet into another type of cryptocurrency in response to the request of the product seller and transmit the same. This optional embodiment may be more convenient as the type of cryptocurrency preferred by the product seller is not well known or is a minor cryptocurrency that is listed on only a small number of exchanges.

For example, if a user who has only bitcoins from exchange A wants to switch to the Klaytn system that is not listed on exchange A, the user sends bitcoins to exchange B where Klaytn is listed, and sends the bitcoins stored in the wallet of exchange B There is an inconvenience of having to buy Klaytn with the exchanged won after converting it into won. In the present invention, the regular processing unit 359 can automate the above operations to provide a type of cryptocurrency desired by the user (product seller), and this process is possible because the affiliate server 300 is physically or logically connected to each exchange. This is due to the fact that the right to use each exchange chain and the user's (product seller)'s wallet are given in advance.

As a result, the affiliate server 300 according to the present invention implements a unique hedging function and a currency exchange function, thereby improving the convenience of users who purchase or sell products in an online shopping mall.

5 is a flowchart illustrating an example of a method according to the present invention.

Since the method according to FIG. 5 can be implemented by the affiliate server 300 and the sub-modules constituting the affiliate server 300 described in FIGS. 2 to 4 , the following will be described with reference to FIGS. 2 to 4 . and a description overlapping with the above will be omitted.

The affiliate server 300 is given the right to use the chain inside the exchange from the affiliated exchange server (S510).

The affiliate server 300 is given the authority to inquire and withdraw the cryptocurrency included in the user's wallet (S530). Here, the user means a product buyer who intends to purchase a product in the online shopping mall.

The affiliate server 300 receives a request for sending a cryptocurrency for product payment from the user's terminal (S550).

The affiliate server 300 transfers the cryptocurrency required for product purchase from the user's wallet to the temporary wallet (S570).

The affiliate server 300 transmits the cryptocurrency for the product price from the temporary wallet to the product seller's wallet according to the request of the product seller's terminal (S590).

For an intuitive understanding of the invention, in this specification, purchase of goods in an online shopping mall has been mainly mentioned, but it will be apparent to those skilled in the art that the present invention can be applied to a case of purchasing a product in an offline shopping mall.

Advantageous Effects of Invention According to the present invention, it is possible to improve the convenience of payment for product purchasers of various nationalities who conduct overseas direct purchases online.

In addition, according to the present invention, the possibility of loss of the product seller can be minimized and convenience can be maximized through various functions (selective hedging function and automatic currency exchange function) supported by the affiliate server.

The above-described embodiment according to the present invention may be implemented in the form of a computer program that can be executed through various components on a computer, and such a computer program may be recorded in a computer-readable medium. In this case, the medium includes a hard disk, a magnetic medium such as a floppy disk and a magnetic tape, an optical recording medium such as a CD-ROM and DVD, a magneto-optical medium such as a floppy disk, and a ROM. , RAM, flash memory, and the like, hardware devices specially configured to store and execute program instructions.

Meanwhile, the computer program may be specially designed and configured for the present invention, or may be known and used by those skilled in the computer software field. Examples of the computer program may include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like.

The specific implementations described in the present invention are only examples, and do not limit the scope of the present invention in any way. For brevity of the specification, descriptions of conventional electronic components, control systems, software, and other functional aspects of the systems may be omitted. In addition, the connections or connecting members of the lines between the components shown in the drawings exemplify functional connections and/or physical or circuit connections, and in an actual device, various functional connections, physical connections that are replaceable or additional may be referred to as connections, or circuit connections. In addition, unless there is a specific reference such as “essential” or “importantly”, it may not be a necessary component for the application of the present invention.

In the specification of the present invention (especially in the claims), the use of the term “above” and similar referential terms may be used in both the singular and the plural. In addition, when a range is described in the present invention, each individual value constituting the range is described in the detailed description of the invention as including the invention to which individual values belonging to the range are applied (unless there is a description to the contrary). same as Finally, the steps constituting the method according to the present invention may be performed in an appropriate order, unless the order is explicitly stated or there is no description to the contrary. The present invention is not necessarily limited to the order in which the steps are described. The use of all examples or exemplary terms (eg, etc.) in the present invention is merely for the purpose of describing the present invention in detail, and the scope of the present invention is limited by the examples or exemplary terms unless defined by the claims. it's not going to be In addition, those skilled in the art will appreciate that various modifications, combinations, and changes may be made in accordance with design conditions and factors within the scope of the appended claims or their equivalents.

10: Online payment system
110: network company
130: purchasing agency
150: card issuer
170: Merchant
190: consumer
210: Exchange server
230: buyer terminal
250: seller terminal
270: communication network
300: affiliate server

Claims (5)

receiving a use right for a chain inside the exchange from an exchange server in which the alliance has been completed;
receiving permission from the exchange server to inquire and withdraw cryptocurrency included in the user's wallet on condition of user's prior consent;
receiving a cryptocurrency transmission request for product payment from the terminal of the user whose information on the prior consent is confirmed;
confirming the product payment information included in the cryptocurrency transmission request, and transmitting the cryptocurrency for product payment from the user's wallet to a temporary wallet of the exchange; and
In response to a request from a terminal of a product seller, online product payment with a block chain-based cryptocurrency, comprising the step of transmitting, through the chain, cryptocurrency for the product payment from the temporary wallet to the product seller's wallet How to deal with it. According to claim 1,
The step of sending the cryptocurrency includes:
In response to the request of the terminal of the product seller, hedging is performed based on a preset value for the cryptocurrency for the product payment, and the cryptocurrency for the product payment is transmitted according to the result of the hedging. , How to process online product payment with blockchain-based cryptocurrency. According to claim 1,
The step of sending the cryptocurrency includes:
In response to the request of the terminal of the product seller, the online product payment is processed with a block chain-based cryptocurrency, which exchanges and transmits the cryptocurrency for the product payment into a cryptocurrency of a different type from the cryptocurrency included in the temporary wallet. How to. A computer program for executing the method according to any one of claims 1 to 3, stored in a computer-readable recording medium. As a server that implements a method of processing online product payment with blockchain-based cryptocurrency,
The server is
a communication unit that communicates with an external terminal and an exchange server of the exchange; and
including a processing unit;
The processing unit,
Receive the right to use the chain inside the exchange from the exchange server where the alliance has been completed,
Receive permission from the exchange server to inquire and withdraw cryptocurrency included in the user's wallet on condition of user's prior consent,
When the communication unit receives a request for sending a cryptocurrency for product payment from the user's terminal for which the information on the prior consent is confirmed, confirms the product payment information included in the cryptocurrency transmission request, and the user's Transmitting the cryptocurrency for product payment from the wallet to a temporary wallet of the exchange,
A server that implements a method of processing online product payment with a block chain-based cryptocurrency, which transmits and processes cryptocurrency for product payment from the temporary wallet to the product seller's wallet in response to a request from the product seller's terminal.

Images