KR101961899B1 - Method for providing auto-payment service considering exchange rate between virtual and flat money - Google Patents

Abstract

Provided is a method for providing a virtual currency automatic payment service considering exchange rate between a virtual currency and a nominal currency comprising: a step of registering at least one type of held virtual currency from a user terminal; a step of registering any one or at least one combination of a transaction account, a card company, and an automatic payment list for payment transaction from the user terminal; a step of extracting at least one payment transaction date included in the card company and the automatic payment list, and mapping the payment date to a user terminal and storing; a step of collecting card payment of the user terminal from the card company, and collecting transfer payment included in the automatic transfer list; a step of extracting a holding virtual currency to settle a total payment amount including the card payment and the transfer payment on the basis of an exchange rate between a nominal money and a virtual money among the at least one held virtual currency; and a step of exchanging the extracted virtual currency for the total payment amount and depositing the same in the transaction account.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a method of providing an automatic payment service for a virtual currency considering a exchange rate between a virtual currency and a nominal currency,

The present invention relates to a method of providing an automatic payment service for a virtual currency in consideration of the exchange rate between a virtual currency and a nominal currency, and provides a method of paying out a payment amount, which is not periodic or individual, .

Financial business is turning a big turning point with the opinion that we should introduce and review legal regulations on virtual currency including bitcoin. One of the most controversial aspects of the innovative financial services business using IT, called FinTech, is virtual money, which is used to develop new businesses and services that use IT to specialize in some areas of a series of unbundling financial services. Compared to other FinTech, the range of applications such as remittance, payment, and financial product currency is very broad. In addition, the structure of a single block chain of bit coin element technology can be widely applied not only to virtual money but also to financial services, but the report of analysts of the electronic settlement association defines the payment introduction of bit coin as infant.

In this case, a method of using the virtual money for settlement includes a method of storing a pair of public keys and a private key, each representing an address and a password of a virtual money, together with the card information on the IC card so that the virtual money can be settled. In this regard, in Korean Patent Laid-Open Publication No. 2017-0079155 (published on Jul. 10, 2017), a first public key and a private key, each representing an address and a password of a virtual currency to be used for settlement, A virtual money transaction history including a first public key read from the IC card and read from the IC card, a second public key indicating an address of the merchant virtual money, and a transaction amount, And transmits the second public key to the virtual money network as a receiver.

However, in the above-described method, the virtual money is used in the individual electronic commerce or the electronic settlement. In order to convert the virtual money into the nominal money, the fee is charged. In the case of exchanging the virtual money for each individual number, , And if the payment is made at the time of settlement like a check card, the consumer is afraid of the loss due to the high price volatility of the coin for which the concept of the option is not applied. . On the other hand, when virtual money is used only as a means of investment assets, there is no usefulness, so it is not possible to use it in real life, and it is highly likely to be put to use, so development of technology that can secure both liquidity and investment value is required.

An embodiment of the present invention is a billing system in which a total amount of settlement of accounts registered in a credit card company or a debit card that requires payment at a periodic or user-desired point, rather than for individual electronic commerce or electronic settlement, It reduces the burden of paying with virtual currency because it is not sensitive to price volatility, unlike currency exchange for individual settlement while decreasing the tax burden. It is linked with the established infrastructure, It is possible to provide a method of providing an automatic payment service for a virtual currency in consideration of the exchange rate between a virtual currency and a nominal currency, which can be used as it is and can satisfy both the value as an investment asset during the holding period and the flow value at the time of settlement. It should be understood, however, that the technical scope of the present invention is not limited to the above-described technical problems, and other technical problems may exist.

As a technical means for accomplishing the above technical object, an embodiment of the present invention is a method for receiving at least one kind of held virtual currency from a user terminal, comprising the steps of: registering at least one kind of held virtual currency from a user terminal; The method comprising the steps of: extracting at least one payment date included in a card company and a debit list, mapping and storing the at least one payment date with a user terminal, collecting card fees of the user terminal from the card company, Collecting the transfer money included in the automatic transfer list, extracting a holding virtual currency to settle the total payment amount including the card money and the transfer money based on the exchange rate between the nominal money and the virtual money among the at least one held virtual money, And the extracted virtual currency is exchanged for the total amount of payment and deposited in the transaction account book It includes.

According to any one of the above objects of the present invention, it is possible not to use the electronic commerce or electronic settlement, but to use a credit card company or a credit card company that is required to pay the settlement price periodically or at a user- It is not sensitive to price volatility, unlike currency exchange for individual settlements, while reducing exchange fees and taxes, thereby reducing the burden or rejection of paying with virtual currency. Since the card service or points can be used as it is and can not be withdrawn by individual settlement but withdrawn later, it is possible to satisfy both the value as investment assets and the liquidity value at the time of settlement during the holding period, And can only withdraw as much as the payment amount, It can minimize the damage entirely.

FIG. 1 is a view for explaining a system for providing a virtual currency automatic settlement service in consideration of the exchange rate between a virtual currency and a nominal currency according to an embodiment of the present invention.
2 is a block diagram illustrating an automatic payment service providing server included in the system of FIG.
FIG. 3 is a view for explaining an embodiment in which a virtual money automatic settlement service considering a exchange rate between a virtual currency and a nominal currency according to an embodiment of the present invention is implemented.
4 is a diagram illustrating a process in which data is transmitted and received between the respective components included in the system for providing an automatic payment service for a virtual currency in consideration of the exchange rate between the virtual currency and the nominal currency in FIG. 1 according to an exemplary embodiment of the present invention.
5 is a flowchart illustrating a method of providing a virtual currency automatic settlement service considering a exchange rate between a virtual currency and a nominal currency according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, which will be readily apparent to those skilled in the art. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "electrically connected" with another part in between . Also, when an element is referred to as "including" an element, it is to be understood that the element may include other elements as well as other elements, And does not preclude the presence or addition of one or more other features, integers, steps, operations, components, parts, or combinations thereof.

The terms "about "," substantially ", etc. used to the extent that they are used throughout the specification are used in their numerical value or in close proximity to their numerical values when the manufacturing and material tolerances inherent in the stated meanings are presented, Accurate or absolute numbers are used to help prevent unauthorized exploitation by unauthorized intruders of the referenced disclosure. The word " step (or step) "or" step "does not mean" step for. &Quot;

In this specification, the term " part " includes a unit realized by hardware, a unit realized by software, and a unit realized by using both. Further, one unit may be implemented using two or more hardware, or two or more units may be implemented by one hardware.

In this specification, some of the operations or functions described as being performed by a terminal, a device, or a device may be performed instead in a server connected to the terminal, device, or device. Likewise, some of the operations or functions described as being performed by the server may also be performed in a terminal, device or device connected to the server.

In this specification, some of the operations or functions described in the mapping or matching with the terminal are used for mapping or matching the unique number of the terminal or the identification information of the individual, which is the identification data of the terminal . ≪ / RTI >

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1 is a view for explaining a system for providing a virtual currency automatic settlement service in consideration of the exchange rate between a virtual currency and a nominal currency according to an embodiment of the present invention. 1, a virtual money automatic payment service providing system 1 considering a exchange rate between a virtual currency and a nominal currency includes a user terminal 100, an automatic payment service providing server 300, at least one card company server 400, At least one bank server 500, and an exchange server 600. However, since the system for providing automatic payment service for virtual currency considering the exchange rate between the virtual currency and the nominal currency in FIG. 1 is only one embodiment of the present invention, the present invention is not limited to FIG.

At this time, the respective components of FIG. 1 are generally connected through a network 200. For example, as shown in FIG. 1, the user terminal 100 may be connected to the automatic payment service providing server 300 through the network 200. The automatic settlement service providing server 300 is connected to the user terminal 100, at least one card issuing server 400, at least one bank server 500, and the exchange server 600 through the network 200 . Also, at least one card issuer server 400 may be connected to the automatic payment service providing server 300 through the network 200. At least one bank server 500 may be connected to the user terminal 100, the automatic payment service providing server 300 and the at least one card issuer server 400 through the network 200. Finally, the exchange server 600 may be connected to the user terminal 100 and the at least one bank server 500 via the network 200.

Here, the network means a connection structure in which information can be exchanged between each node such as a plurality of terminals and servers. Examples of such a network include RF, 3rd Generation Partnership Project (3GPP) network, Long Term A Wide Area Network (WAN), a Wireless Local Area Network (WLAN), a Wide Area Network (WAN), and a Wide Area Network (WAN) , A Personal Area Network (PAN), a Bluetooth network, an NFC network, a satellite broadcast network, an analog broadcast network, a DMB (Digital Multimedia Broadcasting) network, and the like.

In the following, the term at least one is defined as a term including the singular and plural, and even though the term " at least one " does not exist, it is to be understood that each constituent may exist singly or plurally, It will be self-evident. It is to be noted that the constituent elements may be provided singularly or plurally in various manners depending on the embodiment.

The user terminal 100 may be a terminal of a user who wishes to pay a payment by using a virtual money automatic payment service related web page, an app page, a program or an application considering a exchange rate between virtual money and nominal money. To this end, the user terminal 100 registers at least one kind of virtual currency and transaction account held by the user in the virtual money automatic settlement service providing server 300, registers the information of the card on which payment is made, And registering the automatic payment data such as a bill in the virtual money automatic settlement service providing server 300. In addition, the user terminal 100 may be a terminal for setting what kind of virtual currency among a plurality of virtual currencies held by the user terminal 100 should be exchanged (sold) at a certain rate or setting when exchange should be made . Alternatively, the user terminal 100 may select the virtual currency to be exchanged, automatically determine the selling time of the selected virtual currency, according to a predetermined algorithm of the virtual money automatic payment service providing server 300, It is possible to set a default for automatically selecting the time and type of money as much as the settlement amount so that the amount of money can be automatically exchanged without being set by the user so that the terminal can be transferred to the transaction account. Accordingly, the user can utilize the function of settlement together with the value of the investment asset by exchanging the virtual money as the settlement amount into the real money having the liquidity while maintaining the virtual money as the asset.

Here, the user terminal 100 may be implemented as a computer capable of connecting to a remote server or terminal through a network. Here, the computer may include, for example, a navigation device, a notebook computer equipped with a web browser (WEB Browser), a desktop, a laptop, and the like. At this time, the user terminal 100 may be implemented as a terminal capable of connecting to a remote server or terminal through a network. The user terminal 100 may be, for example, a wireless communication device with guaranteed portability and mobility, such as a navigation system, a Personal Communication System (PCS), a Global System for Mobile communications (GSM), a Personal Digital Cellular (PDC) Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication) -2000, Code Division Multiple Access (CDMA) -2000, W-Code Division Multiple Access (W-CDMA), Wibro (Wireless Broadband Internet) A handheld based wireless communication device such as a smartphone, a smartpad, a tablet PC, and the like.

The automatic payment service providing server 300 may be a server for providing a virtual money automatic settlement service web page, an app page, a program, or an application considering a exchange rate between a virtual currency and a nominal currency. The automatic payment service providing server 300 may be a server for receiving and registering the virtual currency held by the user terminal 100, the transaction account, the information of the credit card company generating the payment amount, and the direct debit information. The automatic payment service providing server 300 may be a server that verifies whether the user's information is correct with the card issuer server 400, the bank server 500 and the exchange server 600 and registers the user by authenticating the user, The process can be changed according to the embodiment. When the user sets the type, the ratio, and the period of the virtual currency to be exchanged, the automatic settlement service providing server 300 performs a currency exchange based on the setting, and sends the money to the bank server 500 And may be a server for allowing a transfer. Alternatively, the automatic payment service providing server 300 extracts the estimated payment amount based on the history data, calculates the expected profit and loss when selling the virtual money, determines the selling point, and determines the amount of the virtual money to be sold Or may be a server for automatically transferring money to the bank server 500. Then, the automatic payment service providing server 300 transmits information such as sale details, deposit details, and payment details to the user terminal 100, and also information on the profit rate of the virtual currency transaction based on the selling point, To the terminal 100.

Here, the automatic payment service providing server 300 may be implemented as a computer capable of connecting to a remote server or terminal through a network. Here, the computer may include, for example, a navigation device, a notebook computer equipped with a web browser (WEB Browser), a desktop, a laptop, and the like.

At least one card issuer server 400 may be a server for fetching the payment amount from the transaction passbook of the user terminal 100 or another passbook. At this time, at least one card issuer server 400 carries out a key purchase process in which the user keys-in his / her credit card to a payment machine at an offline merchant or an online merchant by key-in a swipe or card number, expiration date, amount, service charge, installment information, And the card information, the merchant information, and the product purchase information are transmitted from the payment platform of the merchant to the VAN of the cashier manufacturing company specialized in the communication that can be processed by the VAN that manufactures the cashier, If the credit card issuer of the credit card is judged to be a credit card issuer of the received payment request and transmitted through a dedicated line connected to the credit card company, the credit card information, the merchant information and the commodity purchase information are verified and checked. And may be a server that notifies the settlement unit of the merchant through the VAN company. At this time, when the authentication or approval of the user terminal 100 exists, the card issuer server 400 provides a service to the virtual money automatic payment service providing server 300 as a server providing information such as approval details, cancellation details, .

Here, at least one card issuer server 400 may be implemented as a computer capable of connecting to a remote server or terminal through a network. Here, the computer may include, for example, a navigation device, a notebook computer equipped with a web browser (WEB Browser), a desktop, a laptop, and the like.

The at least one bank server 500 may be a server of a bank that manages an account corresponding to a transaction account of the user terminal 100 and performs a transfer or withdrawal request, if any. When there is a sale request from the automatic settlement service providing server 300, the exchange server 600 acquires the type of virtual money requested by the automatic payment service providing server 300 among the kinds of virtual money held by the user terminal 100 The server may be a server that sells money at a ratio and a time requested by the automatic payment service providing server 300 and then transfers the remainder to the transaction passbook of the user terminal 100 except for a transaction fee. When the automatic settlement service providing server 300 requests the price of the virtual currency held by the user terminal 100, the exchange server 600 transmits the feedback data to the automatic payment service providing server 300 Server.

At least one of the bank server 500 and the exchange server 600 may be implemented as a computer capable of connecting to a remote server or terminal through a network. Here, the computer may include, for example, a navigation device, a notebook computer equipped with a web browser (WEB Browser), a desktop, a laptop, and the like.

FIG. 2 is a block diagram illustrating an automatic payment service providing server included in the system of FIG. 1; FIG. 3 is a block diagram illustrating an automatic payment settlement service according to an exemplary embodiment of the present invention, 1 is a diagram for explaining an embodiment implemented.

2, the automatic payment service providing server 300 includes a coin registration unit 310, a payment registration unit 320, a storage unit 330, a collecting unit 340, an extracting unit 350, a depositing unit 360 ), And a recording unit 370. [

The automatic payment service providing server 300 according to an embodiment of the present invention or another server (not shown) operating in cooperation with the user terminal 100 may use a virtual money automatic payment service application that considers the exchange rate between virtual money and nominal money, When transmitting a program, an application page, a web page, or the like, the user terminal 100 can install or open a virtual money automatic payment service application, a program, an application page, a web page, or the like considering the exchange rate between virtual currency and nominal currency . In addition, the service program may be executed in the user terminal 100 by using a script executed in the web browser. Here, a web browser is a program that enables a WWW (World Wide Web) service, and is a program for receiving and displaying hypertext described in hypertext mark-up language (HTML), for example, Netscape (Netscape) An Explorer, chrome, and the like. Further, the application refers to an application on the terminal, for example, an app (app) running on a mobile terminal (smart phone).

Referring to FIG. 2, the coin registration unit 310 may register at least one type of held virtual currency from the user terminal 100. At this time, registering the held virtual currency means registering information about the held virtual currency. The user can directly write all the information, or obtain the authorization from the user and obtain the right to access the information It is possible.

The settlement registration unit 320 can receive registration of any one or at least one combination of a transaction account, a card company, and a direct debit list for payment from the user terminal 100. At this time, the user terminal 100 sets the time and the amount of money to be exchanged from the virtual currency to the nominal currency, and the virtual money automatic payment service providing server 300 automatically exchanges the set time and amount and periodically deposits can do. At this time, it will be obvious that the user can settle or transfer money at any time, whether manually or automatically, periodically or irregularly.

The storage unit 330 may extract at least one payment date included in the card company and the automatic transfer list, and may map and store the payment date with the user terminal 100. When the at least one payment date included in the card company and the automatic transfer list is extracted from the storage unit 330 and mapped to the user terminal 100 and stored, the user terminal 100 transmits the payment date, If one or at least one currency exchange combination is selected during use, the user terminal 100 can be mapped to a currency exchange period and stored. The virtual money automatic payment service providing server 300 can respond to any one or at least one payment of the money at the time of the money transfer, the money to be paid in the current month, the money to be paid in the cycle, Of the total amount of the settlement, and deposit it in the transaction account book. In other words, when the user sets the date of transfer, the user can exchange money according to the user setting, and the amount of money can be exchanged at the time set by the user in the money exchange period. At this time, the currency exchange cycle may include a case where currency exchange is performed each time a check card is used. In addition, although the payment amount can be deposited in the transaction account, it is also possible to transfer the transaction directly to the virtual account provided by the credit card company or to the transaction account of the service provider. In other words, it is obvious that it is possible to transfer money to the account of another person's bank account if it is possible to transfer it to his / her account book.

For example, if a user subscribes on May 1, 2018 and has a one-month exchange period, the amount of the payment must be converted from May 1 to the end of May. If the user subscribes on May 1, 2018 and has a four-month exchange period, the total amount of payment to be exchanged may be from May 1 to the end of August. However, considering that the settlement period of a credit card company or a direct debit is one month, it is preferable that the exchange period is one month, but it is not limited to this, but it may be longer or shorter, The amount in which the written amount is to be exchanged is the same as described above.

The collecting unit 340 may collect the card money of the user terminal 100 from the card company and collect the transfer money included in the automatic transfer list. At this time, if the user terminal 100 can access the card payment data, the collection unit 340 may collect the card payment through the user terminal 100. [ The collecting unit 340 may extract the transfer money included in the automatic transfer list from the transaction details of the transaction passbook or directly receive the bill through the user terminal 100, for example.

The extracting unit 350 can extract the held virtual money to settle the total payment amount including the card money and the transfer money based on the exchange rate between the nominal money and the virtual money among the at least one held virtual money. When the extracting unit 350 extracts the held virtual money to settle the total payment amount including the card money and the transfer money based on the exchange rate between the nominal money and the virtual money among the at least one held virtual money, If there is a held virtual currency set as a target for the virtual virtual currency, the set virtual virtual currency can be extracted. That is, if the user holds A, B, and C virtual currency and the user specifies B, B can be extracted as a virtual currency for settlement.

The extracting unit 350 extracts, from the at least one holding virtual currency, at least one holding virtual currency and the virtual currency, based on the exchange rate between the nominal currency and the virtual currency, , And if the expected profit and loss calculation result satisfies the preset reference value, some or all of the total payment amount can be extracted as the virtual currency to be paid.

At this time, when estimating the profit and loss, a variety of stock lending techniques in the artificial intelligence field can be applied to use stock price estimation techniques with a significant level of statistical reliability. For example, additional trading performance can be improved by learning and using independent predictors according to the stock price pattern, and most of the existing stock price prediction studies based on technical analysis are most effective in expressing recent trends in stock price volatility. In the case of moving average convergence divergence (MACD), for example, we use input features based on a moving average which can be expressed as the convergence and divergence of moving average values. You can also use it to make the difference. Alternatively, it is possible to define and use patterns related to the crossing and the upward transition and the downward transition between moving average lines in which learning and prediction are performed for each pattern.

However, since the virtual currency has a higher fluctuation pattern than the stock, the neural network learning which can predict the high fluctuation pattern can be used more. In the pattern-based stock trading system, the data is clustered according to the stock price fluctuation pattern, and independent multiple predictors are used for final trading. However, in the high fluctuation pattern, the neural network learning is further used to predict the future stock price of each pattern A method of increasing the prediction rate can be used. However, it is to be understood that the present invention is not limited to the above-described methods, and various prediction methods can be used.

When the extracting unit 350 extracts the holding virtual money to settle the total payment amount including the card money and the transfer money based on the exchange rate between the nominal money and the virtual money among the at least one held virtual money, The ratio of the exchange to the nominal currency by the virtual currency that is held can be adjusted. For example, if the user holds virtual money A, B, and C and the user sets 40% of the payment amount at A, 50% of the payment amount at B, and 10% of the payment amount at C, ) Can divide the total amount of settlement by 4: 5: 1 according to the setting of the user, and perform the exchange according to the total amount of the divided settlement. Alternatively, the extracting unit 350 can automatically determine what percentage of the virtual money is to be paid according to the return rate or exchange rate of A, B, and C. For example, if you earn 14% in A, 5% in B, and -4% in C, you have to exchange money in A and B except C, In other words, you can pay the total amount X (14/19) for A and the total amount X (5/19) for B, or you can exchange the money for both A and B have. Of course, it is obvious that it is also possible to dispose of virtual money with a negative profit if there is a user's preference to sell the non-profitable stock first.

The depositing unit 360 can exchange the extracted held virtual currency for the total amount of settlement and deposit it in the transaction account book. At this time, the depositing unit 360 may request the exchange server 600 to transfer the amount of the virtual money directly to the transaction account book, or transfer the amount sold from the exchange server 600 to the depositing unit 360 to the bank server 500, and it is obvious that the method can be changed according to the embodiment.

In this case, in the real money transaction, the transaction is performed by exchanging the money, while the virtual currency is the transaction by recording the transaction history of the money exchanged in the block chain. The virtual currency sold through the exchange server 600 is recorded in the block including the transaction details. The header of the block includes a nonce, a time stamp, a hash value for the header of the previous block, a hash of the transaction history set to be included in the generated block Values, and the like. The integrity of the transaction details can be verified by the electronic signature included in the transaction history.

The block chain consists of a hash-based tree structure and a linked list structure. When arbitrary transaction details and block insertion or deletion are performed through this structure, a good node and a digger can perform arbitrary insertion And whether to delete it. The root hash of Merkle Tree exists in each block and provides the function of verifying the integrity of remittance instructions through the root hash calculated by using the transfer instruction as the lowest node in the tree structure. The root value of the Merkle tree is determined at the time of block creation and recorded in the block. If a specific transaction is arbitrarily modulated, it can be detected because it is inconsistent with the root value of the Merkle tree. In the header of the block, The value is recorded and the block is concatenated. The node checks the insertion and deletion of the block by checking whether or not the hash value of the previous block written in the header of the block matches the hash value of the previous block header and confirms that the corresponding block and the block chain are falsified have.

When the extracted virtual money is exchanged for the total amount of payment and deposited in the transaction account, the depositing unit 360 monitors the price fluctuation data for the price trend of the virtual money in real time, and based on the monitored price fluctuation data And the real money can be exchanged at the time when the extracted virtual money exceeds the predetermined profit rate. In other words, since virtual currency has a property of fluctuating suddenly in units of seconds or minutes, it is possible to determine whether or not the user can pay more money with the same virtual currency depending on when selling, even if the user sets the date . Accordingly, it is possible to monitor price fluctuation data in real time, and to operate to sell at a point exceeding a predetermined profit rate.

The recording unit 370 receives a payment request from the card issuer 100 after the payment registration unit 320 registers any one or at least one combination of a transaction account, a card company, and a direct debit list for payment from the user terminal 100, The history data of the card usage amount of the card and the history data of the automatic transfer money from the automatic transfer subject. Then, the recording unit 370 can generate a distribution including the average of the amounts to be paid on a cycle-by-cycle basis from the collected history data, sets the amount corresponding to the distribution of the predetermined range around the average as the estimated amount of payment, It can be mapped to the terminal 100 and stored. Accordingly, the recording unit 370 collects the card money of the user terminal 100 from the card company in the collecting unit 340, and collects the transfer money included in the automatic transfer list, Based on the exchange rate between the money and the virtual currency, it is possible to extract the virtual money to be paid for the expected payment amount.

The virtual money automatic payment service providing server 300 monitors the virtual money market within a week, for example, by checking the date of the virtual money within the week The user must sell at a time when the profit is above the predetermined threshold value so that the user does not suffer the damage as much as possible. At this time, if the card price can be estimated in advance or approved, and if the period is set to be one month, it is possible to monitor the market price for one month and select the best profitable point, The probability of selling virtual money increases. Of course, when the date and the like are set and fixed by the user, the date can be sold on the set date regardless of the date and time, as described above.

In addition, the method according to an embodiment of the present invention can further add automatic trading using points. For example, you can provide services that convert the points provided by financial institutions, such as cards or banks, or fund manager companies, into regular virtual or non-periodic virtual currency (when you want them) The service provider may further include a service for automatically purchasing a coin or converting the coin to a point accumulated using a service of a financial institution such as a fund manager, a general service provider, or the like.

The former is a function of changing a point to a coin, and the latter may be a service that automatically purchases a coin using points when an existing financial institution or service provider's points are accumulated. Of course, it is possible to perform both regularly and irregularly, as described above.

Hereinafter, an operation process according to the configuration of the automatic payment service providing server of FIG. 2 will be described in detail with reference to FIG. It should be apparent, however, that the embodiments are only examples of the various embodiments of the present invention.

Referring to FIG. 3, most people have many commerce and economic activities, but the time of commerce and payment are not necessarily the same. For example, suppose that (a) a user named Smith purchased a commodity worth 300,000 won for 10 consecutive months at a convenience store, and purchased 300,000 won worth of office supplies 10 times in an online market. And, if a restaurant spends 40,000 won in 20 times, the user has performed 40 times a month to spend 1 million won. However, if Smith uses one credit card, only one payment will be made and the payment will be automatically withdrawn from Smith's bankbook every month. Accordingly, in an embodiment of the present invention, even a person who holds a virtual currency can automatically transfer money into a virtual currency, and can automatically convert a desired amount of virtual money into cash at a desired time, to provide. That is, the method according to an embodiment of the present invention provides a service for automatically converting a virtual money asset of a user existing in an electronic purse or exchange to cash at a desired point in time, and transferring or paying the cash.

(b) One embodiment of the present invention can provide an automatic payment settlement service for a card, an automatic settlement service for a bank transfer service, an automatic settlement service for a charge transfer to a general landfill, and a card cash service. At this time, the automated payment service for the card is a service for automatically transferring the virtual currency of the user's own electronic wallet or exchange to cash for the payment of the card, and transferring the payment to the bank for withdrawing the payment. At this time, if the card company notifies the payment amount, the automatic payment service providing server 300 automatically converts the virtual currency held by the user into cash for only the payment amount, and allows the card company to directly fetch the payment amount, The transaction is transferred from the server 300 to the transaction account book so that the card company can withdraw from the transaction account book as before.

Second, the bank transfer automatic payment settlement service automatically transfers the virtual currency of the user's own electronic wallet or exchange to the cash to be paid for automatic payment by the bank, . At this time, if the bank notifies the interest or the service use amount, the automatic payment service providing server 300 automatically converts the virtual currency held by the user into cash for only the payment amount so that the bank can directly fetch the payment amount, The payment service providing server 300 may transfer money to the transaction account book and the bank may be withdrawn from the transaction account book as before.

Third, the automatic transfer payment service of the general giro transfer service automatically transfers the virtual money of the user's own electronic wallet or exchange to the cash for the automatic settlement payment linked to the bank, thereby withdrawing the payment amount It is a service to transfer to a bank that does. At this time, when the information of the living rate and the giro fee is inputted or collected, the automatic payment service providing server 300 automatically converts the virtual currency held by the user into cash for only the payment amount, Alternatively, the automatic settlement service providing server 300 may transfer the money to the transaction account book, and the collection institution may withdraw from the transaction account book as before.

Finally, the card cash service means a service that allows users to automatically convert and withdraw as much cash as the withdrawal amount by using the virtual currency of the user's own electronic wallet or exchange when receiving the cash service with the card.

(c) When the user terminal 100 needs to register with a service according to an embodiment of the present invention, the user can register the service through the same registration procedure as in (c). It is to be understood, however, that the present invention may be embodied in many other specific forms without departing from the spirit or essential characteristics thereof. First, the user terminal 100 registers card information including a transaction account and a card company to be used by the user, and registers an electronic wallet or a cryptographic money exchange, thereby designating which asset the payment is to be paid from. Then, the user terminal 100 can register the automatic transfer list, and set the virtual currency, the exchange time point, the rate, etc. to be exchanged. Upon completion of the registration process, the automatic payment service providing server 300 can extract the virtual currency to be exchanged based on recommendation, extraction, or set items, and performs exchange and automatic transfer in order to automatically transfer the payment amount .

(d) For this purpose, the user terminal 100 registers various kinds of payment lists and virtual moneys in the automatic payment service providing server 300. At this time, in addition to the method of manually setting the user as in the above- The automatic payment service providing server 300 monitors the virtual currency price in real time as shown in (e), and if the predetermined profit is satisfied or even if the selling date is determined, It may be driven in such a direction as to minimize the loss of the user by automatically performing the selling or the like at the peak time.

The method of providing an automatic payment service for virtual currency considering the exchange rate between the virtual currency and the nominal currency in FIGS. 2 and 3 has been described with reference to FIG. 1, The description of the providing method is omitted because it can be easily deduced from the same or described contents.

4 is a diagram illustrating a process in which data is transmitted and received between the respective components included in the system for providing an automatic payment service for a virtual currency in consideration of the exchange rate between the virtual currency and the nominal currency in FIG. 1 according to an exemplary embodiment of the present invention. Hereinafter, an example of a process of transmitting and receiving data between the respective components will be described with reference to FIG. 4. However, the present invention is not limited to such an embodiment, It is apparent to those skilled in the art that the process of transmitting and receiving data can be changed.

4, the automatic payment service providing server 300 receives the transaction account information and the credit card company information from the user terminal 100 (S4100), confirms it to the credit card company server 400 and the bank server 500, Post-registration processing is performed (S4200). Similarly, the automatic payment service providing server 300 collects information on the virtual currency from the user terminal 100 (S4300) and confirms the information on the exchange server 600 to the exchange of the virtual currency held by the electronic purse or the user (S4400).

When the registration is completed, the automatic payment service providing server 300 selects the automatic exchange to receive the exchange rate, money, and the ratio from the user terminal 100 or to automatically process the payment with the preset algorithm (S4500) If the money is collected from the server 400 (S4600), the money exchange is performed by considering the virtual money, the ratio, and the total amount of settlement to be exchanged by the amount of the settlement money (S4700). At this time, the automatic payment service providing server 300 requests the transaction to the exchange server 600 or withdraws from the electronic wallet (S4810). When the transfer occurs, the automatic payment service providing server 300 transmits the transaction request to the bank server 500) so that the payment amount can be withdrawn from the transaction account book. In addition, the automatic payment service providing server 300 may store the payment amount in the payment amount history to use as a data for predicting the payment amount or confirming the estimated payment amount (S4830).

On the other hand, when the automatic settlement service providing server 300 converts the automatic payment transaction from the user terminal 100 (S4900), it automatically selects the virtual currency without advancing the exchange rate, money, (S4920), and automatically selects the time to exchange (sell) according to the expected profit and loss. The automatic payment service providing server 300 can notify the user terminal 100 of the details through a push message or the like when the user manually sets the service or when the service is automatically processed.

The order between the above-described steps S4100 to S4920 is only an example, but is not limited thereto. That is, the order between the above-described steps S4100 to S4920 may be mutually varied, and some of the steps may be executed or deleted at the same time.

The method of providing the automatic settlement service for virtual currency considering the exchange rate between the virtual currency and the nominal currency in FIG. 4 has been described with reference to FIGS. 1 to 3 by using the virtual currency automatic settlement service considering the exchange rate between the virtual currency and the nominal currency The description of the providing method is omitted because it can be easily deduced from the same or described contents.

5 is a flowchart illustrating a method of providing a virtual currency automatic settlement service considering a exchange rate between a virtual currency and a nominal currency according to an embodiment of the present invention. Referring to FIG. 5, the automatic payment service providing server registers at least one type of held virtual currency from the user terminal (S5100).

Then, the automatic payment service providing server registers (S5200) any one or at least one combination of a transaction account, a card company, and a debit list for payment from the user terminal (S5200) The payment date is extracted and mapped to the user terminal and stored (S5300).

At this time, the automatic payment service providing server collects the card money of the user terminal from the credit card company, collects the transfer money included in the automatic transfer list (S5400), and calculates the exchange rate between the nominal money and the virtual money among the at least one held virtual money (S5500) based on the total amount of the payment including the credit card money and the transfer money. Finally, the automatic payment service providing server exchanges the extracted virtual money for the total payment amount and deposits the money in the transaction account book (S5600).

5, a method for providing a virtual money automatic settlement service considering a exchange rate between a virtual currency and a nominal currency has been described with reference to FIGS. 1 to 4, The description of the providing method is omitted because it can be easily deduced from the same or described contents.

A method for providing a virtual money automatic settlement service considering a exchange rate between a virtual currency and a nominal currency according to an embodiment described with reference to FIG. 5 is a method of providing a virtual money automatic settlement service including a record including a command executable by a computer, But may also be implemented in the form of a medium. Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. In addition, the computer readable medium may include both computer storage media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data.

A method of providing an automatic payment service for virtual money in consideration of the exchange rate between a virtual currency and a nominal currency according to an embodiment of the present invention is a method of providing an application installed basically in a terminal (a program included in a platform, And may be executed by an application (i.e., a program) installed by the user directly to the master terminal through an application providing server such as an application store server, an application, or a web server associated with the service. In this sense, the method of providing an automatic payment service for virtual money in consideration of the exchange rate between the virtual currency and the nominal currency according to an embodiment of the present invention is basically installed in the terminal or implemented as an application (i.e., a program) directly installed by the user And recorded on a computer-readable recording medium, such as a terminal.

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

The scope of the present invention is defined by the appended claims rather than the detailed description and all changes or modifications derived from the meaning and scope of the claims and their equivalents are to be construed as being included within the scope of the present invention do.

Claims (9)

A method for providing a virtual money automatic settlement service executed in a virtual money automatic settlement service providing server,
Receiving at least one type of held virtual currency from a user terminal;
Receiving from the user terminal one or a combination of at least one of a transaction account, a card company, and a direct debit list for payment;
Collecting the card usage fee history data of the user terminal from the credit card company and the direct debit payment history data from the direct debit subject and generating a distribution including an average of the amounts to be settled periodically from the collected history data; And
Setting an amount corresponding to a distribution of a predetermined range centering on the average as a settlement estimated amount, mapping and storing the predetermined amount with the user terminal;
Extracting at least one payment date included in the card company and the debit list, mapping the payment date with the user terminal, and storing the extracted payment date;
Collecting a card price of the user terminal from the card company, and collecting transfer money included in the automatic transfer list;
Extracting a holding virtual currency to settle the total payment amount including the card money and the transfer money based on the exchange rate between the nominal money and the virtual money among the at least one holding virtual money; And
Exchanging the extracted virtual money for the total payment amount and depositing the same in the transaction passbook;
Lt; / RTI >
The step of extracting the holding virtual currency to settle the total amount of payment including the card money and the transfer money based on the exchange rate between the nominal money and the virtual money among the at least one held virtual money is based on the type of the virtual money to be exchanged The method comprising automatically setting the type of the virtual money and the payment percentage based on the rate of return, the deposit amount and the exchange rate when the rate of conversion to the nominal currency per virtual currency is adjusted,
Wherein the step of collecting the card money of the user terminal from the card company and collecting the transfer money included in the automatic transfer list is performed before the step of collecting the transfer money included in the automatic transfer list, Extracting a reserved virtual currency to be paid for the estimated payment amount;
Wherein the virtual currency automatic settlement service further includes a currency exchange function between the virtual currency and the nominal currency.
The method according to claim 1,
The step of extracting the holding virtual currency to settle the total payment amount including the card money and the transfer money based on the exchange rate between the nominal money and the virtual money among the at least one holding virtual money,
Extracting the set reserved virtual currency when there is a held virtual currency set as a target for settlement in the user terminal;
Wherein the virtual currency automatic settlement service method considers the exchange rate between the virtual currency and the nominal currency.
The method according to claim 1,
Wherein the step of extracting at least one payment date included in the card company and the automatic transfer list and mapping the extracted payment dates to the user terminal,
Mapping and storing the user terminal and the currency exchange cycle when the user terminal selects any one or at least one currency exchange combination at the time of money transfer, monthly, cycle, and card use;
Lt; / RTI >
Wherein the virtual money automatic payment service providing server corresponds to any one or at least one payment of the money at the time of the money transfer, the money to be paid in the current month, the money to be paid in the cycle, The amount of money to be exchanged is transferred to the transaction account, and the exchange rate of the virtual currency and the nominal currency is taken into account.
The method according to claim 1,
The user terminal sets the time and amount of money to be exchanged from the virtual currency to the nominal currency,
Wherein the virtual money automatic settlement service providing server automatically exchanges the virtual money automatic settlement service providing server with the set time and amount and periodically deposits the transaction money in the transaction passbook, considering the exchange rate between the virtual currency and the nominal currency.
The method according to claim 1,
The step of extracting the holding virtual currency to settle the total payment amount including the card money and the transfer money based on the exchange rate between the nominal money and the virtual money among the at least one holding virtual money,
Performing an expected profit and loss calculation based on a selling point of the at least one holding virtual currency;
Extracting a part or all of the settlement total amount into a virtual currency to be paid out when the estimated profit and loss calculation result satisfies a preset reference value;
Wherein the virtual currency automatic settlement service method considers the exchange rate between the virtual currency and the nominal currency.
delete delete The method according to claim 1,
Wherein the step of exchanging the extracted virtual money for the total amount of settlement and depositing the virtual money in the transaction passbook comprises:
Monitoring real-time price fluctuation data on the price trend of the held virtual currency;
Real-time exchange of the extracted virtual money based on the monitored price fluctuation data at a time when the extracted virtual money exceeds a predetermined profit rate;
Wherein the virtual currency automatic settlement service method considers the exchange rate between the virtual currency and the nominal currency.
A computer-readable recording medium on which the method of any one of claims 1 to 5 and 8 is recorded.

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