KR101935804B1 - Payment processing apparatus for virtual currency card, and method thereof - Google Patents

Abstract

The present invention relates to an apparatus for payment processing of a virtual currency card and a method thereof. A method of controlling an apparatus for payment processing of a virtual currency card comprises the steps of: receiving a card payment processing request signal including a card number, a billing amount and billing person information according to card payment; extracting the total number of virtual currency coins registered in a virtual currency account corresponding to the card number; extracting a billing method corresponding to the billing person information; subtracting the number of virtual currency coins corresponding to the billing amount from the virtual currency account corresponding to the card number if the extracted total number of virtual currency coins is greater than the number of virtual currency coins corresponding to the billing amount; and transferring the number of virtual currency coins as subtracted to the billing person according to the extracted billing method.

Description

TECHNICAL FIELD [0001] The present invention relates to a virtual money card payment processing apparatus,

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an apparatus and method for processing a virtual money card payment, and more particularly, to an apparatus and method for using a virtual money matching card to pay for a goods / service.

Recently, various virtual currencies have been traded with the beat coin as the head.

Unlike the common currency, which is issued at the central bank of each country and paid at the expense of the goods or services in the off-line, virtual money is a virtual currency that can be mined or traded using a predetermined encryption technique, .

Most of the recent virtual currencies are based on the block chain technology. Unlike the conventional method of managing financial transaction records by a central server, there is no centrally managed system. In the block chain, It is a way to prevent counterfeiting against each other.

Virtual coins such as bit coin, etherium, and ripple are all based on block-chain technology, which sends transactions to all users participating in a transaction and prevents counterfeiting of data against each transaction as it occurs.

Here, a block means a form in which various kinds of transaction information are collected, and prevents double payment and forgery through this block.

However, although there are some exceptions, these virtual currencies are still not widely used in everyday life, and transaction within the exchange is the main.

However, since virtual money does not depend on the power of a specific country but is very cheap in terms of currency issuance, it is very effective in countries that do not have a key currency when used as a general currency in daily life.

In order to respond to such requests, services such as remittance using virtual money have been proposed, but they are still not used in real life.

Therefore, there is a demand for a service that allows the payment of the cost of the goods / services through the virtual money to spread more widely.

Published Patent No. 10-2017-0073336

SUMMARY OF THE INVENTION Accordingly, the present invention has been made keeping in mind the above problems occurring in the prior art, and it is an object of the present invention to provide a payment method and a payment method, And a virtual money card settlement process for widely spreading the use of the virtual money in the real life by connecting the virtual money to the virtual money card by considering the use of the card.

In order to achieve the above object, a virtual money card payment processing apparatus according to the present invention includes: a request receiving unit for receiving a card settlement processing request signal including a card number, a bill amount, and claimant information according to a card settlement; An extracting unit for extracting the total number of virtual coins registered in the virtual currency account corresponding to the card number and extracting a billing method corresponding to the billing person information; When the total number of virtual coins extracted by the extracting unit is equal to or greater than the number of virtual coins corresponding to the bill, the virtual coin account corresponding to the card number is subtracted by the number of virtual coins corresponding to the bill, And a card settlement processor for processing the number of virtual coin coins to be delivered to the claimant according to the claim method extracted by the extracting unit.

In order to achieve the above-mentioned object, a control method of a virtual money card payment processing apparatus according to the present invention includes the steps of: receiving a card settlement processing request signal including a card number, a bill amount, ; Extracting the total number of virtual coins registered in the virtual money account corresponding to the card number; Extracting a billing method corresponding to the billing person information; If the number of extracted virtual coin coins is equal to or greater than the number of virtual coin coins corresponding to the bill amount, the virtual coin account corresponding to the card number is subtracted by the number of virtual coin coins corresponding to the bill amount, And causing the denomination of coins to be delivered to the claimant according to the extracted claim method.

As described above, according to the present invention, a customer who purchases goods / services can make a settlement using a virtual money settlement card, thereby maximizing utilization of virtual money.

By making virtual money easy to use in everyday life, more lives can be encouraged to use virtual money, which also minimizes or eliminates the existing disadvantages of countries that do not have a key currency in the world currency market can do.

1 is a schematic configuration diagram of an entire system including a virtual money card payment processing apparatus according to an embodiment of the present invention,
Fig. 2 is a functional block diagram of the virtual money card payment processing device of Fig. 1,
FIG. 3 is a control flowchart of the overall system of FIG. 1,
FIG. 4 is a detailed view showing a processing procedure according to the claimant's method in the step of FIG. 3. FIG.

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

Hereinafter, embodiments of the present invention will be described in order to facilitate understanding of the present invention, and the present invention is not limited to these embodiments. In particular, the present invention can be configured by combining at least any one of individual components, individual functions, or individual steps included in each embodiment.

In particular, some claims of the claims for convenience include alphabets such as '(a)', but these alphabets do not define the order of each step.

Hereinafter, each signal referred to in the embodiments of the present invention may refer to one signal transmitted by one connection or the like, but may also mean a series of signals transmitted for the purpose of performing a specific function . That is, in each embodiment, a plurality of signals transmitted after a predetermined time interval or after receiving a response signal from the counterpart device can be represented by a single signal name for convenience.

The overall configuration of the entire communication system including the virtual money card payment processing apparatus 100 according to an embodiment of the present invention is as shown in FIG.

First, FIG. 1 shows a state in which payment is made using a virtual money card 400 that has been issued in advance.

In the case of making a settlement in a POS terminal or the like using the virtual money card 400, the approval request signal is transmitted to a server (the payment request apparatus 200 in FIG. 1) associated with the virtual money card 400, The received payment request apparatus 200 determines whether or not the payment request apparatus 200 is approved according to its own algorithm, and transmits the result to the force terminal.

FIG. 1 shows a process of performing card settlement in an off-line mode, and such a card settlement may be performed on-line.

For example, a customer having a virtual money card 400 can input a number of a virtual money card 400 for payment while purchasing a product at an online shopping mall. In this case, a payment gateway (PG) The settlement may be made via a server of the VAN (Value Added Network) company connected thereto.

In determining whether to approve the virtual money card 400, the settlement requesting apparatus 200 may perform a kind of collaboration with the virtual money card payment processing apparatus 100. More specifically, After the processing request signal is transmitted to the virtual money card settlement processing apparatus 100, it is possible to determine whether the virtual money card 400 is approved in consideration of the result received from the virtual money card settlement processing apparatus 100.

For example, when the payment request device 200 is a bank server and issues a check card 400 for a virtual currency associated with the virtual money card payment processing device 100, The payment request apparatus 200 can request the virtual money card payment processing apparatus 100 to perform the real-time payment processing for the check card 400 for the virtual currency.

Here, the payment processing request signal may include a card number, a bill amount, and billing person information. Here, the card number corresponds to the identification number of the virtual money card 400 submitted by the customer at the time of settlement, And the biller information may correspond to the information about the settlement requesting apparatus 200 itself or the information about the manager of the settlement requesting apparatus 200, or the like.

As another example, when the payment request apparatus 200 is a credit card company server, issues a credit card for a virtual currency associated with the virtual money card payment processing apparatus 100, and a payment using the credit card for the virtual currency is performed , The settlement requesting apparatus 200 transmits only a credit card to the virtual money card payment processing device 100 at a predetermined time point or periodically It is possible to request that the final settlement process be performed.

In the above example, the payment request apparatus 200 is a bank server or a credit card company. However, it is needless to say that the payment request apparatus 200 may be the PG server or the VAN company.

However, in the following description of the present embodiment, the payment request apparatus 200 is a server of a bank that issued the check card 400 for virtual currency.

On the other hand, the virtual money card settlement processing device 100 is for causing the final settlement processing using the virtual money to be performed on the settlement processing request signal of the settlement request device 200, An example of the functional block is shown in Fig.

As shown in the figure, the virtual money card payment processing apparatus 100 may include a request receiving unit 110, an extracting unit 120, a card settlement processing unit 130, and a storage unit 140.

Here, the storage unit 140 may store programs / data / information necessary for the operation of the virtual money card payment processing apparatus 100, data / information newly generated during operation of the virtual money card payment processing apparatus 100, Information can be additionally stored.

The specific process of utilizing the data / information stored in the storage unit 140 will be described later.

The request receiving unit 110 receives a card settlement processing request signal from the settlement requesting apparatus 200. The card settlement request signal includes a card number corresponding to a card to be paid by the customer, It may contain claimant information.

Here, the card number is an identification number of the virtual money card 400, the bill amount is an amount for the goods or services purchased by the customer, the billing person information includes information about the billing request apparatus 200 itself The information on the manager of the settlement requesting apparatus 200 (for example, information on the bank representative) can be applied as described above.

The extracting unit 120 extracts the total number of virtual coins registered in the virtual money account corresponding to the card number included in the card settlement processing request signal.

For example, an account corresponding to each virtual money card 400 number may be included in the storage unit 140. Herein, each account includes information on the number of virtual money coins, It is distinguished from an account to be made.

The account corresponding to each virtual money card 400 number may correspond to a table that substantially matches the number of each virtual money card 400 and the number of virtual coins, And checks whether the total number of virtual money coins registered in the virtual money account corresponding to the card number included in the signal is small.

Here, the "virtual coin number" is a virtual coin coin amount. In general, since a virtual currency unit uses a unique currency unit (for example, 'bit coin' in bit coin) distinguished from a commonly used currency unit, Virtual money coin number ".

The extracting unit 120 also extracts and confirms the billing method corresponding to the billing party information included in the card settlement processing request signal.

For example, in the storage unit 140, each billing person information (for example, billing person's name, business number, account number, etc. as billing person identification information) and a specific billing method may be matched and stored, And how to receive the self payment amount.

For example, if the 'billing method' is 'universal currency billing', the claimant is not receiving the payment in the virtual currency but the common currency corresponding to the virtual money payment amount.

As another example, if the 'billing method' is 'electronic wallet billing', the claimant will receive the virtual currency corresponding to the payment amount in his electronic wallet.

These billing methods may be matched for each virtual currency type.

For example, for a specific claimant, a method of charging may be set to 'common currency billing' for a virtual currency, and a billing method may be set to 'electronic wallet billing' for a B virtual currency.

In this case, when the settlement amount is paid to the claimant by using the virtual money, the money is converted into the common currency corresponding to the virtual money settlement amount and transferred to the account transfer method, and the settlement amount is paid to the claimant by the B virtual money The virtual currency corresponding to the payment amount is transferred to the electronic purse of the claimant.

This process is performed by the card settlement processing unit 130, and its specific functions are as follows.

That is, when the total number of virtual coins extracted by the extracting unit 120 is equal to or greater than the number of virtual currency coins corresponding to the bill amount, the card settlement processing unit 130 extracts, from the virtual currency account corresponding to the card number, The number of coins is deducted, and the number of virtual coins to be subtracted is transmitted to the claimant in accordance with the method of claim extracted by the extracting unit 120. [

Specifically, when the billing method extracted by the extracting unit 120 is a common denomination request, the card settlement processing unit 130 exchanges the number of virtual denominations coins previously deducted from the virtual money account to the common denomination of the corresponding point in time, After confirming the common currency account information corresponding to the information, it is possible to transfer the common currency amount that has been exchanged before the confirmed common currency account.

Here, the virtual currency exchange function of converting the virtual currency into the common currency can be performed.

For example, when the virtual money card payment processing apparatus 100 according to an embodiment of the present invention performs a kind of exchange function (a function of buying and selling the virtual money itself) for virtual money, the card settlement processing unit 130 ) Can register the number of virtual coin coins deducted from the virtual currency account in advance on the virtual coin coin transaction page and perform the exchange processing through the transaction through the virtual coin coin transaction page.

Herein, the process of trading the virtual money registered in the virtual money coin transaction page (the process of being bought by another person) corresponds to the known technology, so that a detailed explanation will be omitted.

The process of transferring the denominated general money amount is also a general transfer between the accounts opened in the bank, so that a detailed explanation will be omitted.

As another example, if the billing method extracted by the extracting unit 120 is an electronic purse request, the card payment processing unit 130 checks the electronic wallet information corresponding to the billing person information, and then subtracts the electronic wallet from the virtual money account The number of virtual coin coins is transferred.

Here, the concrete method of transferring the virtual coin to the electronic purse of the specific person may be different for each virtual currency.

For example, in the case of a bit coin using a block chain, a block which can be decrypted only by a private key included in a specific person's electronic wallet and used (transferred) during a transaction is created and added to a block chain, The effect of transferring the virtual currency to the market can be seen.

The common denomination account information and the electronic wallet address corresponding to the respective claimant information may be stored in the storage unit 140 in correspondence with the respective claimant information.

Hereinafter, control and signal flow between the virtual money card payment processing device 100 and the payment request device 200 according to an embodiment of the present invention will be described with reference to FIG.

First, the payment request device 200 transmits a card settlement processing request signal including a card number, a charge amount, and claimant information according to the card settlement to the virtual money card settlement processing device 100 (step S1).

Here, the card number and the charge amount may be information received from the POS terminal 300 or the like as the customer purchases the goods / services.

For example, if a customer purchases a product / service offline and then makes a settlement at the POS terminal using the virtual money settlement check card 400, the POS terminal 300 transmits the virtual money settlement check card The payment request apparatus 200 may transmit an approval request signal including the card number and the payment amount to the payment request apparatus 200. The payment request apparatus 200 not only receives the card number and the payment amount received from the POS terminal 300 , And transmits a card settlement processing request signal including all of its identifier, that is, the claimant information, to the virtual money card settlement processing apparatus 100.

Upon receipt of the card settlement processing request signal from the virtual money card settlement processing device 100, the virtual money card settlement processing device 100 confirms the virtual money account corresponding to the card number included in the card settlement processing request signal S3).

Subsequently, the virtual money card payment processing device 100 confirms the total number of virtual coins stored in the confirmed virtual money account (step S5).

If the total number of virtual monies coins in the identified virtual money account is smaller than the number of virtual coins corresponding to the charged amount (step S7), the virtual money card payment processing device 100 performs error processing (step S9), for example It may transmit a message to the settlement requesting apparatus 200 informing that settlement processing is impossible.

If the total virtual coin count of the identified virtual money account is greater than or equal to the virtual currency coin count corresponding to the bill amount (step S7), the virtual money card payment processing device 100 calculates the virtual coin coin number (Step S11).

For example, when the bill amount is 10-bit coin and the 25-bit coin is stored in the virtual money account, the virtual money card payment processing apparatus 100 subtracts 10-bit coins corresponding to the bill amount from the virtual currency account, The virtual money account is to have a 15-bit coin left.

Subsequently, the virtual money card payment processing apparatus 100 extracts the billing method corresponding to the billing person information (step S13), and calculates the number of coins subtracted from the virtual money account (i.e., 10-bit coin) (Step S15).

The delivery to the claimant according to the extracted billing method may be performed by a method of adding to a separate virtual coin account matched to the claimant, but it may be transferred to the common money account corresponding to the claimant, or to an electronic purse corresponding to the claimant Or the like.

The virtual money card payment processing apparatus 100 can transfer the payment processing result to the payment requesting apparatus 200. The payment requesting apparatus 200 finishes the approval processing according to the payment processing result and outputs the result to the POS terminal .

Hereinafter, a specific example of the process according to the claimant's method in FIG. 3 will be described with reference to FIG.

First, when the billing method of the claimant is the 'common denomination billing' (step S21), the virtual money card payment processing device 100 transmits the charged virtual money number (that is, the virtual number subtracted from the virtual money account in step S11 of FIG. 3) Currency coin number) on the virtual coin coin transaction page (step S23).

When the virtual coin transaction is registered in the virtual currency coin transaction page, the transaction can be performed through the exchange (step S25). As described above, the process of trading the virtual coin via the exchange corresponds to the known technology and will not be described in detail.

Then, the virtual money card settlement processing apparatus 100 confirms the common currency account number of the claimant from the table in which the billing person and the common currency account number are matched (step S27). Then, the virtual money card transaction processing apparatus 100 transfers the previously exchanged common currency amount to the common currency account (Step S29).

Although not shown in FIG. 4, the virtual money card payment processing device 100 can transmit the card payment processing result to the payment request device 200 after the transfer processing to the common money account is performed. The result may include transaction information, processing time, target card number, target virtual currency information, currency exchange rate, deposit account, and may include an electronic signature for verification.

As another example, when the billing method of the claimant is set to "electronic wallet billing" (step S31), the virtual money card payment processing device 100 extracts the electronic wallet information of the claimant from the table in which the billing person and the electronic wallet information are matched (Step S33), and transmits the number of virtual money corresponding to the billing amount charged from the payment requesting device 200 to the confirmed electronic wallet (step S35).

Although not shown in the drawing, the virtual money card payment processing apparatus 100 can transmit the card payment processing result to the payment request apparatus 200 after being transferred to the electronic wallet. Information, processing time, target card number, target virtual currency information, wallet deposit transaction information, deposit electronic wallet information, and the like, and may include an electronic signature for confirmation.

Meanwhile, in the above-described embodiment, it is assumed that the amount of money charged when a customer makes a card payment is a virtual currency, but the amount charged when a customer makes a card payment may be a common currency amount.

That is, in the above embodiment, the merchandise / service amount is 10-bit coin, and the customer uses the virtual currency check card for Bicor to pay for the goods. However, the merchandise / service amount may be a common currency amount ), And the customer may make settlement using a general-purpose virtual currency check card.

In this case, the virtual money card payment processing apparatus 100 displays 'payment virtual currency type', 'one-day billing limit', 'one-time billing limit', and 'one-time billing limit', corresponding to the number of the general- The virtual money card settlement processing apparatus 100 may be configured such that the virtual currency card settlement processing apparatus 100 performs the settlement processing according to the request of the settlement requesting apparatus 200 as described above, The payment processing can be performed according to the 'payment virtual currency type' matched to the number of the payment virtual currency, and the payment processing can be judged based on the 'one-day billing limit', 'one-time billing limit' .

For example, if 'A virtual money account' and 'B virtual money account' are registered for the customer's general purpose virtual currency check card number but 'B virtual money' is set for 'payment virtual currency type' The card settlement processing apparatus 100 performs a settlement process using the 'B virtual money' stored in the 'B virtual currency account' for the 10,000 won payment processing request of the settlement request device 200.

At this time, the amount of 'B virtual money' corresponding to 10,000 won can be judged based on the current market price.

In particular, when the billing limit exceeding the "one-day billing limit" or the "one-time billing limit" or the billing requesting the payment processing currently does not correspond to the "billing person information", the virtual money card payment processing device 100 stops the payment processing , And send an error message to the payment request apparatus 200.

For example, for 'A virtual money', the billing method may be 'to the specific common currency account'. For example, in the case of 'A virtual money' The virtual money card settlement processing apparatus 100 transmits the virtual money check card to the virtual money check card 100 as shown in the previous example when the billing method is 'transfer to a specific electronic wallet' In the case where the settlement processing is performed with the 'B virtual currency', the B virtual currency corresponding to the payment amount can be transmitted to the specific electronic wallet registered for the 'B virtual currency' of the claimant.

In the above embodiment, information corresponding to various information included in the card settlement processing request signal of the settlement requesting apparatus 200 is registered in advance in the virtual money card settlement processing apparatus 100. However, The type of money, the billing method corresponding to the claimant, the common currency account number corresponding to the claimant, and the address of the electronic wallet are not stored in advance in the virtual money card settlement processing apparatus 100, It may be dynamically included in the card settlement processing request signal.

Meanwhile, it goes without saying that the process of performing each of the above-described embodiments can be performed by a program or an application stored in a predetermined recording medium (for example, a computer-readable). Here, the recording medium includes an electronic recording medium such as a RAM (Random Access Memory), a magnetic recording medium such as a hard disk, and an optical recording medium such as a CD (Compact Disk).

At this time, the program stored in the recording medium may be executed on hardware such as a computer or a smart phone to perform each of the above embodiments. In particular, at least one of the functional blocks of the virtual money card payment processing apparatus according to the present invention described above may be implemented by such a program or application.

The present invention is not limited to the above-described specific embodiments, and various modifications and changes may be made without departing from the gist of the present invention. It is to be understood that such variations and modifications are intended to be included in the scope of the appended claims.

100: Virtual money card payment processing device
200: payment request device 300: POS terminal
400: virtual money card 110: request receiver
120: Extracting unit 130: Card settlement processing unit
140:

Claims (10)

A control method performed by a virtual money card payment processing apparatus,
(a) receiving a card settlement processing request signal including a card number, a charge amount, and claimant information according to card settlement;
(b) extracting the total number of virtual coins registered in the virtual currency account corresponding to the card number;
(c) extracting a billing method corresponding to the billing party information;
(d) if the total number of virtual coins extracted in the step (b) is equal to or greater than the number of virtual coins corresponding to the bill, the virtual currency account corresponding to the card number is subtracted by the number of virtual coins corresponding to the bill And a step of processing the subtracted virtual money coin number to be transmitted to the claimant according to the claim method extracted in the step (c);
(e) transmitting the processing result of the step (d) to a device that has transmitted the card settlement processing request signal,
If the billing method extracted in the step (c) is a common denomination request, in the step (d), the deducted number of virtual denominations is converted into the common denomination of the corresponding point of time, and the denomination of the common denomination After confirming the account information, transfers the converted denomination money amount to the confirmed common denomination account,
In the step (d), the subtracted virtual coin number is registered in the virtual monetary coin transaction page, the exchange process is performed through the transaction through the virtual monetary coin transaction page,
In the step (c), the billing virtual currency type corresponding to the card settlement processing request signal is compared with the pre-registered information of each virtual currency corresponding to the billing person information, The virtual money card payment processing apparatus comprising: delete delete The method according to claim 1,
If the billing method extracted in the step (c) is an electronic wallet request, in step (d), after confirming the electronic wallet information corresponding to the billing person information, the number of virtual coins to be dispensed The virtual money card payment processing apparatus comprising: A computer-readable recording medium recording a program for executing the method of claim 1 or claim 4. An application program stored on a computer-readable medium for executing the method of claim 1 or 4 in combination with hardware. A request receiving unit for receiving a card settlement processing request signal including a card number, a charge amount, and claimant information according to card settlement;
An extracting unit for extracting the total number of virtual coins registered in the virtual currency account corresponding to the card number and extracting a billing method corresponding to the billing person information;
When the total number of virtual coins extracted by the extracting unit is equal to or greater than the number of virtual coins corresponding to the bill, the virtual coin account corresponding to the card number is subtracted by the number of virtual coins corresponding to the bill, And a card settlement processing unit for performing a process for causing the virtual money coin count to be transferred to the claimant according to the claim method extracted by the extracting unit and controlling the transfer of the result of the process to the apparatus that has transmitted the card settlement processing request signal,
If the billing method extracted by the extracting unit is a common denomination request, the card settlement processing unit exchanges the subtracted number of coins for virtual denomination to the common denomination of the corresponding point in time, and transmits the common denomination account information corresponding to the billing- And transfers the converted common money amount to the confirmed common money account,
Wherein the card settlement processing unit registers the deducted number of virtual coin coins in the virtual coin coin transaction page and performs the exchange processing through the transaction through the virtual coin coin transaction page,
The extracting unit compares the type of the payment virtual currency corresponding to the card settlement processing request signal with the information of each virtual currency registered in correspondence with the claimant information and extracts the charging method corresponding to the payment virtual currency type Of the virtual money card. delete delete 8. The method of claim 7,
When the billing method extracted by the extracting unit is an electronic wallet request, the card payment processing unit confirms the electronic wallet information corresponding to the billing person information, and processes the deduced virtual money coin number to be transferred to the confirmed electronic wallet The virtual money card payment processing apparatus comprising:

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