KR101974878B1 - Electronic money payment gateway server with purchase cancellation function reflecting the electronic money market information, system and method - Google Patents

Abstract

The present invention relates to an electronic money settlement server, a system and a method thereof, and more particularly, to an electronic money settlement server, system and method for canceling a purchase of an electronic money purchase product, The present invention relates to an electronic money payment server, system, and method having a purchase cancellation function that reflects electronic money quotation information that reflects electronic money quotation information.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to an electronic money payment server, a system, and a method for canceling an electronic money,

The present invention relates to an electronic money settlement server, a system and a method thereof, and more particularly, to an electronic money settlement server, system and method for canceling a purchase of an electronic money purchase product, The present invention relates to an electronic money payment server, system, and method having a purchase cancellation function that reflects electronic money quotation information that reflects electronic money quotation information.

In general, electronic money is an electronic payment means that stores monetary value in the form of an electronic symbol in an electronic device such as a card with an IC chip or a PC connected to a public information communication network and makes it available for purchase of goods and the like.

In the case of electronic money being used, the Korean Intellectual Property Patent Application No. 10-2012-0028519 [apparatus and method for purchasing online game goods using electronic money for PC room manager (hereinafter referred to as " prior art " An electronic money is used to purchase an item or the like in an online game.

However, there is a problem that the prior art can not substitute real money because electronic money can be used only in an online game.

Recently, however, Bitcoin, a type of electronic money that can be paid for in-kind money, has been proposed and traded globally.

Bitcoin is a digital currency created by Satoshi Nakamoto in 2009, and has a structure that does not have a central device to issue and manage currency.

Instead, the transaction of the bit coin is performed by a distributed database based on peer-to-peer network (P2P), and transactions are performed based on the public key cryptosystem.

Such a bit coin having a payment method can be used without any information such as a card number, an expiration date, a CVV (Card Verification Value), and a CVC (Card Validation Code) number necessary for credit card payment, In addition, there is also an advantage in the use fee is also inexpensive.

In addition, the bit coin is stored in the form of a wallet file. A private key corresponding to each unique address, that is, a public address and a password is given to the wallet. The public address, The purchase of goods using the bit coin is performed based on the address "

As described above, there are a light coin, a dark coin, a name coin, a porcelain coin, and a ripple in addition to the bit coin in the electronic money that can be settled for the spot, and a common feature thereof is that the trader uses the electronic money including the bit coin Since the block chain in which transaction details are collected and stored is stored in the electronic purse, the bit coin, light coin, dark coin, name coin, pottery coin and ripple are collectively referred to as electronic money.

 In order to use the electronic money to which the block chain technology having the settlement characteristic is applied, the purchaser first registers the KRW corresponding to the KRW in the state where the electronic wallet is opened by subscribing to the bit coin exchange such as Bitsum, Coin, Charge.

Then, after confirming the current price of the bit coin being traded at the bit coin exchange, if the purchase order is made by inputting the quantity and the unit price of the electronic money having the block chain desired to purchase, the transaction is established through the sales order matching the transaction condition, Money is sold and purchased at the same time.

In order to purchase a commodity using the bit coin, the user first visits a bit coin merchant, selects a necessary item, and sends the bit coin related information (for example, QR code for bit coin) (Or including a smartphone or a tablet PC), recognizes the payment information related to the bit coin of the POS terminal, and transmits the electronic coin to the address corresponding to the bit coin-related payment information, And the payment is made.

However, such a bit coin settlement system having a settlement characteristic has a problem in that it is inconvenient for the bit coin buyer to purchase the goods through the bit coin dispenser installed in the shop every time the buyer purchases the goods at the store.

The transaction characteristics of digital electronic money having such a block chain were possible only when the seller and the buyer had electronic wallets with each other even though the exchanges.

As a result, the electronic money does not properly provide the purchasing function, which is a basic function of the general currency commonly used in various countries including the Republic of Korea. That is, there is a problem that the transaction using the electronic money between the buyer and the general seller is not performed.

And the time for approval and payment of the electronic money depends on the commission fee when the presenter sends the electronic money to the card issuer. The lower the fee, the slower the approval and payment.

Therefore, there is a problem that the transaction is made swiftly only when the donor and the voucher use the electronic wallet of the same exchange or if the donor pays a large fee.

As described above, the conventional bit coin payment system does not pay a large fee, and after the purchaser makes the settlement with the electronic money, the authentication through the block chain network is completed after more than one day has elapsed, There is a problem that the real-time transaction between the buyer and the seller is impossible.

Typically, the buyer performs payment for the purchase amount and then receives the goods.

The purchaser who purchased the product should be able to cancel the purchase if the product is not satisfactory after the delivery or if there is a defect in the product.

Normally, if you purchase a card or make a cash purchase, you can cancel the card by canceling the card and refunding the cash.

However, when purchasing the electronic money, there is a problem that the purchasing can not be canceled when purchasing the product using the electronic money because the price difference may occur at the time of purchase and the time of refund due to the characteristics of the electronic money.

Published Japanese Patent Application No. 10-2011-0022553 (Published on Mar. 07, 2011)

Accordingly, it is an object of the present invention to provide an electronic money market information providing system capable of canceling purchases of goods purchased with electronic money, refunding the electronic money amount corresponding to the purchase amount of the goods, And an electronic money settlement server, system, and method having a purchase cancellation function that reflects the purchase cancellation function.

According to another aspect of the present invention, there is provided an electronic money payment server having a purchase cancellation function that reflects electronic money market information according to the present invention, comprising: An electronic money settlement server for receiving an electronic money amount to which an electronic money order is applied from a buyer and completing a settlement to store a transaction details including settlement information and payment history information of the settlement, An exchange market price collecting unit for collecting market information of electronic money; And determining whether or not the electronic money amount of the received purchase amount has been exchanged in accordance with the settlement method set by the seller when a purchase cancellation request is generated from the purchaser, And a payment cancellation unit for remitting the electronic money amount reflecting the ticker information collected through the exchanges ticker collecting unit to the purchaser.

The settlement cancellation unit collects the electronic money market information from the electronic money exchange at the point of time of the cancellation of purchase through the exchanges city tax collecting unit to determine the application date when the currency exchange established by the seller is a currency exchange, The electronic money is purchased and paid to the purchaser in exchange for the selling money.

The settlement cancellation unit remits the electronic money of the electronic money amount received in the sales money to the buyer in the case where the exchange of money according to the settlement method set by the seller is cash or another currency that has not been exchanged into another electronic money, .

The payment cancellation unit collects at least one electronic money market information through the exchanges market collecting unit at the point of time of canceling the purchase when the sales money settlement is converted into cash, which is a currency currency, and collects electronic money quotes of the collected electronic money market information An electronic money order that satisfies the mid-market selection condition is selected as an application fee, and then the electronic money is purchased and paid to the buyer by the converted selling money.

And the ticker selection condition is the lowest price.

According to another aspect of the present invention, there is provided an electronic money billing system having a purchase cancellation function that reflects electronic money market information according to the present invention, comprising: An electronic money settlement system for receiving an electronic money amount applied to an electronic money order from a buyer and completing a settlement to store a transaction details including payment information and payment history information of the settlement, At least two exchange servers for managing ticker information for the electronic money that fluctuates with time and providing ticker information when a ticker information request is generated; And determining whether or not the electronic money amount of the received purchase amount has been exchanged in accordance with the settlement method set by the seller when a purchase cancellation request is generated from the purchaser, And an electronic money payment server for transferring an electronic money amount reflecting the ticker information collected through the exchange server to the purchaser.

The electronic money settlement server includes: an exchange market collecting unit for collecting market information of electronic money from an exchange server of an electronic money exchange; And determining whether or not the electronic money amount of the received purchase amount has been exchanged in accordance with the settlement method set by the seller when a purchase cancellation request is generated from the purchaser, And a payment cancellation unit for remitting the electronic money amount reflecting the ticker information collected through the exchanges ticker collecting unit to the purchaser.

The payment cancellation unit,

If the exchange settled by the seller is a currency exchange, the electronic commerce exchange information is collected from the electronic money exchange at the point of withdrawal of the purchase through the exchanges ticker collecting unit to determine the application date, The electronic money is purchased and paid to the purchaser.

The settlement cancellation unit remits the electronic money of the electronic money amount received in the sales money to the buyer in the case where the exchange of money according to the settlement method set by the seller is cash or another currency that has not been exchanged into another electronic money, .

The payment cancellation unit,

When the settlement of sales proceeds is converted into cash, which is a currency, at the time of canceling the purchase, at least one electronic money market information is collected through the exchanges market collecting unit and the market selection condition among the electronic money markets of the collected electronic money market information And selects an electronic money order satisfying one of the plurality of electronic money orders as an application fee, and then purchases the electronic money with the converted selling money and sends the electronic money to the purchaser.

And the ticker selection condition is the lowest price.

According to another aspect of the present invention, there is provided an electronic money payment method having a purchase cancellation function that reflects electronic money market information according to the present invention, comprising: An electronic money settlement system of an electronic money settlement system for receiving an electronic money amount applied with an electronic money order from a buyer and completing settlement and storing a transaction detail including settlement information and payment history information of the settlement, A purchase cancellation monitoring process for monitoring whether a purchase cancellation request is generated from a purchaser who has transmitted an electronic money amount corresponding to a purchase amount for the commodity; And determining whether or not the electronic money payment server has received a purchase cancellation request from the purchaser, and whether the electronic money amount of the received purchase amount has been exchanged in accordance with the settlement method set by the seller, And a payment cancellation step of sending, to the purchaser, the electronic money amount reflecting the ticker information collected through the exchange market collecting unit as the selling price at the time of canceling the purchase.

Wherein the payment cancellation process comprises: a payout determination step of determining whether the electronic money payment server exchanges money according to the settlement method set by the seller when a purchase cancellation request is generated; Determining whether the electronic money settlement server collects electronic money market information at the time of purchase cancellation from the exchange servers to determine an application market if the exchange of money according to the settlement method set by the seller is a currency exchange; A refund electronic money amount purchasing step of purchasing an electronic money reflecting the ticker information collected through the exchanges ticker collecting unit by the electronic money settlement server applying the application timing of the purchase cancellation time; And a refund step in which the electronic money payment server sends electronic money corresponding to the electronic money amount to the purchaser.

The settlement cancellation process may be a settlement process in which if the exchange of money according to the settlement method set by the seller at the payout settlement determination step of the electronic money settlement server is unchanged and the electronic money is received, To the purchaser, the settlement electronic money refund step.

Wherein the applying time determination step is characterized by selecting one electronic money quotation that satisfies the ticker selection condition among the electronic money quotes of the electronic money quotation information collected at the time of withdrawing the electronic money payment server as an application note.

And the ticker selection condition is the lowest price.

The present invention has the effect of canceling the purchase even for a product purchased with electronic money.

In addition, the present invention reflects the electronic money price at the point of time of purchase and the point of withdrawal of purchase when a sale cancellation occurs in a state where the selling price is paid to the seller in cash, and then the electronic money is purchased and paid back to the purchaser It is possible to avoid the cancellation of purchase by the purchaser according to the market price and to activate the circulation of the electronic money.

In addition, the present invention has the effect of preventing damages of the seller by refunding the electronic money to the buyer after reflecting the price at the time of canceling the purchase as it is for the sale of the commodity.

Further, in the present invention, when the sales proceeds are received and stored in the electronic money, the electronic money received for the sales price can be refunded to the purchaser as it is regardless of the electronic money price at the time of canceling the purchase, The purchase can be canceled.

1 is a block diagram of an electronic money settlement system having a purchase cancellation function reflecting electronic money market information according to the present invention.
FIG. 2 is a diagram illustrating the configuration of a merchandise sales unit of an electronic money settlement system having a purchase cancellation function reflecting electronic money quotation information according to the present invention.
FIG. 3 is a diagram illustrating a configuration of an electronic money settlement server of an electronic money settlement system having a purchase cancellation function reflecting electronic money market information according to the present invention.
4 is a flowchart illustrating a settlement method in an electronic money settlement system having a purchase cancellation function reflecting electronic money market information according to an embodiment of the present invention.
FIG. 5 is a flowchart illustrating a settlement method in an electronic money settlement server of an electronic money settlement system having a purchase cancellation function reflecting electronic money market information according to the present invention.
FIG. 6 and FIG. 7 are flowcharts illustrating a purchase cancellation method reflecting the electronic money market information of the electronic money settlement system according to the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a configuration and operation of an electronic money settlement system and an electronic money settlement server having a purchase cancellation function reflecting an electronic money market information according to the present invention will be described in detail with reference to the accompanying drawings, And how to cancel the purchase.

1 is a block diagram of an electronic money settlement system having a purchase cancellation function reflecting electronic money market information according to the present invention.

Referring to FIG. 1, an electronic money settlement system having a purchase cancellation function reflecting an electronic money market information according to the present invention includes at least one buyer terminal unit 100, a product selling unit 200, an exchange server 300, And a payment server 400.

The buyer terminal unit 100, the commodity sales unit 200, the exchange server 300 and the electronic money payment server 400 are connected to the wire / wireless data communication network 10 by wire or wireless, Protocol: TCP) and Internet Protocol (IP).

The buyer terminal unit 100 and the goods sale unit 200 may be connected to a Bluetooth communication system such as Bluetooth, Zigbee, Near Field Communication (NFC), Ultra Wide Band (UWB) And may be directly connected to the same short-range wireless communication.

The wired / wireless data communication network 10 is a communication network in which one or more of an Internet network including a WiFi network, a mobile communication network such as 3G (3G), 4G, and 5G, and a WiBro network are combined.

The purchaser terminal unit 100 purchases a product through the merchandise sales unit 200 and requests payment from the electronic money settlement server 400. When the electronic money settlement server 400 receives a request for remittance from the electronic money settlement server 400, The electronic money corresponding to the purchase amount for the commodity is transmitted, the purchase cancellation request information is transmitted to the electronic money settlement server 400 when the buyer cancels the purchase, and the same electronic money amount as the electronic money amount remitted at the time of purchase Is refunded and stored.

The purchaser terminal unit 100 may be constituted by a single terminal for transferring the electronic money through the purchase of the goods and the installed electronic wallet, or may be constituted by the purchasing terminal 101 for purchasing goods and the information displayed on the purchasing terminal 101 And a payment terminal 102 having an electronic wallet for remitting the electronic money using the electronic wallet. The purchaser terminal unit 100 can be connected to a merchandise sales department 200 such as a computer terminal such as a desktop computer or a notebook computer, a smart terminal such as a smart phone or a smart pad, a separate dedicated terminal, an Internet TV, It is possible to receive the purchase information and the seller information for the electronic wallet and the electronic wallet to transfer the electronic money.

The purchaser terminal unit 100 acquires purchase information, seller information, and the like including the purchase amount (referred to as " payout " in the case of the seller) for the purchased product through the product sales unit 200, Generates payment request information including purchase information, seller information, and terminal information as its own information, and transmits the generated payment request information to the electronic money settlement server 400. At this time, the payment request information may be included in an internet protocol message together with an IP address for transmission to the electronic money settlement server 400 through the wire / wireless data communication network 10. Further, the seller information may include at least one of a seller name, a seller ID (ID), and a seller ID number, a telephone number, country information on which the seller lives and sells goods, and the like. In addition, the payment request information may further include product information and country information of the buyer. The terminal information may be any one or more of an MDN (Mobile Directory Number) which is a telephone number of the purchaser terminal 100, an ID of a messenger used by the buyer of the purchaser terminal 100, an SNS ID, will be.

The merchandise sales department 200 is a device capable of providing purchase information and seller information including a purchase amount of at least one merchandise, and may be a server such as an Internet shopping mall server, a shopping mall app server, or the like, An information management system (POS), or the like, or may be an individual smart terminal for sales among individuals.

The merchandise sales department 200 may be provided with an electronic purse or may be a device for processing only sales of merchandise of a seller whose electronic wallet and deposit account are registered in the electronic money settlement server 400 .

In case of the former, the merchandise sales department 200 may receive the sales money from the electronic money payment server 400 through the electronic wallet and store the electronic money, or may receive the cash for the sales money to the deposit account thereof.

In the latter case, the seller accesses the electronic money settlement server 400 to inquire the electronic wallet assigned to him / her after the seller authentication, transfers the electronic money stored in the electronic wallet to the electronic wallet installed in his or her own personal terminal, To your deposit account.

In addition, the seller may store the electronic money or cash received in the sales price in the account (electronic wallet) of the electronic money payment server 400 and manage it.

The exchange server 300 is a server installed in an exchange established around the world and has country information. When the request for price information is received from the electronic money payment server 400 of the present invention, the exchange server 300 transmits the current electronic money quotation information to the electronic money And provides it to the payment server 400.

When the settlement request information is received from the purchaser terminal 100, the electronic money payment server 400 requests the two or more exchange server 300 for quotation information to collect quotation information for each exchange, The electronic money transfer request information that requests the electronic money corresponding to the converted electronic money amount to be converted into the electronic money amount by applying the application fee corresponding to the price selection condition, (100).

After transmitting the electronic money transfer request information, the electronic money payment server 400 obtains the transaction approval number of the electronic money remitted from the block chain network to the electronic wallet address of the electronic money transfer request information, The electronic money remitted by the buyer terminal unit 100 is regarded as being received when the transaction approval number is equal to or greater than the transaction approval number of times, The electronic money remitted at the receiving time of the money is processed according to the exchange information according to the settlement method preset by the seller.

In other words, the electronic money payment server 400 according to the present invention can provide a seller with a quick commodity transaction between the seller and the purchaser since the seller can pay the seller a payment if the number of approvals of dealing with the purchase according to the purchase amount is satisfied. Accordingly, it is expected that the present invention can activate the purchase of electronic money, and it is expected that the electronic money can be used more effectively and the value of electronic money can be increased.

In addition, the electronic money payment server 400 monitors whether or not the purchase cancellation has occurred from the purchaser terminal unit 100, and when the purchase cancellation occurs, depending on the exchange of the sales amount according to the settlement method set by the seller, The electronic money corresponding to the sales price is remitted to the buyer by applying the quotation of the electronic money of the seller.

FIG. 2 is a diagram illustrating the configuration of a merchandise sales unit of an electronic money settlement system having a purchase cancellation function reflecting electronic money quotation information according to the present invention.

2, the product sales department 200 includes a sales storage unit 210, a sales communication unit 220, a sales display unit 230, a sales input unit 240, and a sales control unit 250 .

The sales storage unit 210 stores product information including a product name, a product price, a product description, and the like for at least one product, country information about the country where the seller resides, a seller name, a seller ID, Etc., and stores the purchase history including the product information, the purchase amount, and the like of the product requested by the purchaser.

In addition, the sales storage unit 210 stores electronic money by an electronic wallet installed according to an embodiment.

The sales communication unit 220 performs data communication with other devices connected to the wire / wireless data communication network 10 by wireless or wired connection to the wire / wireless data communication network 10 according to the embodiment, 100 and a terminal to a terminal to perform data communication. That is, the sales communication unit 220 may include a remote communication unit that performs data communication through the wired / wireless data communication network 10 and a short-range wireless communication unit that performs terminal-to-terminal wireless communication.

The sales display unit 230 displays various information according to the operation of the merchandise sales unit 200 of the present invention by at least one of text, graphic, image, and moving image.

The sales input unit 240 may include at least one of a keyboard, a mouse, and a touch pad that is integrally formed with a screen of the sales display unit 230 so that the seller can input various information.

In addition, the sales input unit 240 may further include a scanner in the case where the goods sale unit 200 is a POS in accordance with the embodiment, and may further include a camera in the case that the goods sale unit 200 is a mobile terminal.

That is, the sales input unit 240 is a means for receiving various information by the seller. When the goods sales unit 200 is a server according to the embodiment, the sales input unit 240 is integrally formed with the screen of the keyboard, mouse, and sales display unit 230 And a touch pad for outputting positional information corresponding to a position to be touched. If the product selling unit 200 is a payment terminal such as a POS, it may include at least one or more of a keyboard, a scanner, a touch pad, If the product sales department 200 is a mobile terminal, the product sales department 200 may include at least one of a button input device, a touch pad, and a camera.

The sales control unit 250 includes a sales settlement processing unit 260 and a payment cancellation processing unit 270 including a goods sale processing unit 251, an electronic money settlement unit providing unit 252 and an electronic money settlement processing unit 253, And controls the overall operation of the product sales department 200 according to the invention.

The sales settlement processing unit 260 controls overall operations related to sales and settlement.

Specifically, the product sale processing unit 251 provides the product display and search means to the buyer terminal unit 100 when the product sale unit 200 is a shopping mall, and stores the product information about the page selected by the user in the sales storage unit 210 And supplies the goods information to the purchaser terminal unit 100. When the user makes a purchase request for an arbitrary commodity, the user selects the payment means selection means including the electronic money payment means to the purchaser terminal unit 100 And selects the settlement means. When the electronic money settlement means is selected through the settlement means selection means, the electronic money settlement means 252 is activated.

The electronic money settlement means providing unit 252 provides an electronic money settlement means to the purchaser terminal unit 100 for performing settlement with electronic money as the selected settlement means.

Then, the buyer terminal unit 100 is connected to the electronic money settlement server 400 through the provided electronic money settlement means, generates settlement request information for electronic money settlement through the electronic money settlement means, 400).

If the merchandise sales department 200 is a payment terminal such as POS, the merchandise sales processing unit 251 acquires merchandise information, calculates and displays a sales amount for prices corresponding to the acquired merchandise information, And activates the electronic money settlement means providing unit 252 when the electronic money settlement is selected through the payment means selecting means.

The activated electronic money settlement means providing unit 252 provides an electronic money settlement means including purchase information, seller information, and the like including purchase amount to an adjacent buyer terminal unit 100 through the sales communication unit 220. [

Then, the buyer terminal unit 100 is connected to the electronic money settlement server 400 through the provided electronic money settlement means, generates settlement request information for electronic money settlement through the electronic money settlement means, 400).

The electronic money settlement processing unit 253 is connected to the electronic money settlement server 400 and processes the electronic money for the sales money stored in the electronic money settlement server 400 to receive the electronic money or converts the electronic money into cash, Transfer to a registered deposit account, and the like.

The settlement cancellation processing unit 270 receives the purchase cancellation request occurrence notification information and the refund amount remittance request information from the electronic money settlement server 400 through the sales communication unit 220 and notifies the seller thereof.

The settlement cancellation processing unit 270 displays the refunded electronic money amount, which is the refunded amount included in the refund request information, using the external electronic wallet and receives the refund electronic money amount transfer request information, User graphic interface). When a request for transmission of the refunded electronic money amount is issued through the remitting means, the electronic money corresponding to the refunded electronic money amount is transmitted to the electronic money payment server 400. [ The remittance means may be a means activated by the electronic money electronic wallet app or a web based means provided by the electronic money payment server 400.

The payment cancellation processing unit 270 displays a cash amount, which is a refund amount included in the refund amount remittance request information upon receipt of the refund amount remittance request information, or another electronic money amount when received with another electronic money, And transmits the other electronic money corresponding to another electronic money amount to the electronic wallet address of the electronic money payment server 400 if the electronic money is another electronic money And performs remittance through the internal computerization process of the electronic money payment server 400. [

FIG. 3 is a diagram illustrating a configuration of an electronic money settlement server of an electronic money settlement system having a purchase cancellation function reflecting electronic money market information according to the present invention.

3, the electronic money payment server 400 includes a server storage unit 410, a server communication unit 420, a server display unit 430, a server input unit 440, and a server control unit 450.

The server storage unit 410 stores a seller's database (DB) having an account including electronic wallet, seller information, deposit account information, and the like for storing electronic money and cash, And a transaction history DB storing transaction details and the like. The merchandise merchandise transaction details include information such as merchandise information, a selling price, a purchaser payment method, a payout settlement status, a payout settlement currency type, and a fee for a merchandise sold by the seller. The purchaser transaction details may include information on the purchased product, payment means, purchase amount, seller information, purchase cancellation reason, purchase cancellation reason, purchase cancellation approval information, and refund process information based on cancellation of purchase.

In addition, the server storage unit 410 stores the number of transaction approval approvals for each purchase amount group according to the present invention. For example, the transaction approval number may be 0 if the purchase amount is less than the first amount, 1 to 3 if the first amount is the second amount, and 4 to 6 if the second amount is exceeded It could be one.

The server communication unit 420 is connected to the wired / wireless data communication network 10 wirelessly or wired according to an embodiment and performs data communication with other devices connected to the wired / wireless data communication network 10.

The server display unit 430 displays various information according to the present invention in at least one of text, graphics, images, and moving images.

The server input unit 440 receives a variety of information from a server manager including a keyboard, a mouse, a touch pad, and the like, and provides the received information to the server control unit 450.

The server control unit 450 includes a settlement request event monitoring unit 451, a country identifying unit 452, an exchange market collecting unit 453, an electronic money exchanging unit 454, an electronic money transfer requesting unit 455, 456, an electronic money remittance unit 457, and a payment cancellation unit 458 to control the overall operation of the electronic money payment server 400. [

The payment request event monitoring unit 451 checks whether payment request information is received from any buyer terminal unit 100 and monitors whether a payment request event is generated.

The payment request event monitoring unit 451 can activate the country identifying unit 452 according to the embodiment when the payment request information is received from the purchaser terminal unit 100. [

Upon receiving the payment request information received through the payment request event monitoring unit 451, the activated country identifying unit 452 detects the IP included in the Internet protocol message together with the payment request information, The country of the terminal unit 100 can be identified and the country of the seller can be identified based on the country information included in the seller information. The buyer's country information may also be input through the electronic money payment means.

Upon receipt of the settlement request information through the settlement request event monitoring unit 451, the exchange market price collecting unit 453 requests the exchange server 300 for electronic money price information, and transmits the electronic money price information to the exchange server 300 .

When the country identification part 452 is included and the country where the buyer and the seller, that is, the country where the purchasing terminal 100 and the commodity sale part 200 are located is identified through the country identification part 452 , Requests the electronic money market information only to the exchange server 300 of the identified country, and collects electronic money market information for each exchange in the corresponding country.

The electronic money exchange unit 454 selects one electronic money market information satisfying the city selection condition among the collected electronic money information information of each exchange when the exchange electronic money market information is collected.

The ticker selection condition may be a lowest price, a weighted average price, and the like. The weighted average value is an average value that reflects a weight based on the number of times of use for each exchange server 300.

If the price selection condition is the lowest, the electronic money exchange unit 454 applies the lowest price to the purchase amount included in the purchase information of the payment request information received through the payment request event monitoring unit 451, And provides it to the electronic money remittance requesting unit 455.

The electronic money transfer requesting unit 455 transmits the electronic money transfer request information requesting the electronic money corresponding to the converted electronic money amount to the purchaser terminal unit 100 through the server communication unit 420. [

The transaction processing unit 456 transmits the electronic money transfer request information by the electronic money transfer requesting unit 455 and then stores the transaction corresponding to the purchase amount in accordance with the transaction approval number of times per purchase amount stored in the server storage unit 410 Determine the number of approvals.

When the number of transaction approval approvals is determined, the transaction processing unit 456 determines whether the electronic money for the electronic money amount has been transferred from the buyer terminal unit 100 corresponding to the electronic money transfer request information in the block chain network, And transmits a sales approval message to the product sales department 200 if the transaction approval number is equal to or greater than the determined transaction approval number of times.

Assuming that the first amount is 100,000 won and the second amount is 1,000,000 won, when the purchase amount information is less than 100,000 won, the transaction approval approval number is 0, and immediately the sales approval notification message is transmitted to the product sales department 200, When the purchase amount is equal to or more than 100,000 and less than 1,000,000 won and the transaction approval approval number is 3 and the transaction approval number is 3, the sales approval notification message is transmitted to the product sales department 200, And the number of transaction approval approvals is 6, and the transaction approval number is 6, the sales approval notification message is transmitted to the product sales department 200. [

At this time, the transaction processing unit 456 stores the electronic money or cash in the electronic wallet of the seller's account after the exchange according to the exchange method according to the settlement method preset by the seller.

The seller accesses the electronic money settlement server 400 through the merchandise sales unit 200 from the time when the merchandise sales unit 200 receives the sales approval notification message from the electronic money settlement server 400, The money may be received and stored in the electronic wallet, or may be directly deposited into the deposit account of the seller by exchanging cash for the electronic money.

Therefore, the seller can receive cash even without an electronic wallet.

Also, the transaction processing unit 456 checks whether the electronic money is received even after transmitting the sales approval notification message, and stores the electronic money in the electronic wallet of the electronic money payment server 400 when the electronic money is received.

The electronic money remittance unit 457 transmits an electronic money processing request such as electronic money transfer or cash transfer from the arbitrary terminal connected to the merchandise sales unit 200 and the seller through which the sales approval notification message is generated through the transaction processing unit 456 The electronic money received and stored from the purchaser terminal unit 100 as a sale price to the electronic wallet of the merchandise sales department 200 or the electronic money stored in the electronic wallet of the seller of the merchandise sales department 200 You can also transfer cash for the money.

The electronic money remittance unit 457 collects electronic money information from the exchange server 300 upon transfer of the electronic money corresponding to the sales money, applies the highest or the average price information among the collected electronic money information, It may be configured to send money to the seller's deposit account.

As described above, the settlement cancellation unit 458 determines whether a purchase confirmation event occurs from the buyer terminal unit 100 or whether a purchase cancellation event is received from the buyer terminal unit 100 after the remittance of the electronic money corresponding to the purchaser's purchase amount, And if the purchase cancellation occurs, the seller checks exchange-allowance information according to a preset settlement method to determine whether or not to exchange money according to settlement of the sale amount. The purchase confirmation event may be generated when the purchaser selects purchase confirmation through the purchaser terminal unit 100, or may be generated after a predetermined time (e.g., 15 days) after the receipt of the goods. The means of communication of the refund amount may be electronic money or cash.

The payment cancellation unit 458 controls the overall operation related to the refund processing according to the cancellation of purchase in accordance with the determined exchange status.

More specifically, if the exchange status information according to the settlement method is set as the exchange status, the payment cancellation unit 458 retrieves the electronic money amount corresponding to the purchase amount received and stored in the electronic wallet of the merchant account, . The electronic money corresponding to the purchase amount received from the purchaser is stored in the seller's account, that is, the electronic wallet, as it is, with respect to the purchase amount received from the purchaser, in the case where the exchange- That is, if the exchange information on the seller is set to be unchanged, the purchase cancellation unit 458 remits the electronic money corresponding to the purchase amount received from the buyer as refunds to the buyer.

The settlement cancellation unit 458 collects quotation information at the point of time of the cancellation of purchase through the exchanges ticker collecting unit 453 if the exchange of money according to the settlement method is set to exchange money, Purchase e-money in sales price and send it to buyer.

The quote information at the point of time of the cancellation of purchase can be obtained from the exchange server 300 that provided the ticker information reflected at the point of purchase through the exchanges ticker collecting unit 453 or can be acquired from at least two exchanges servers 300 An arbitrary one of the two or more pieces of the collected ticker information may be selected and obtained by a preset ticker selection condition. The ticker selection condition may be a lowest price condition or a weighted average price condition. The weighted average value may be an average value calculated by applying a weight according to the number of times of use by each exchange server.

In addition, the purchase cancellation unit 458, when the electronic wallet of the merchant account does not have cash or electronic money corresponding to the selling price at the time of withdrawal of the purchase, the deficit or the sales amount reflecting the amount in the seller's account You can ask the seller to make a deposit.

The purchase cancellation method of the payment cancellation unit 458 will be described in detail with reference to FIGS. 7 and 8. FIG.

4 is a flowchart illustrating a settlement method in an electronic money settlement system having a purchase cancellation function reflecting electronic money market information according to an embodiment of the present invention.

Referring to FIG. 4, the purchaser terminal unit 100 may receive the goods information from the goods sale unit 200 and inform the goods sale unit 200 of the purchase request (S111). 4, the buyer terminal 100 and the goods sales department 200 are displayed as if they are delivering the goods information and the purchase intention, but the buyer and the seller directly meet each other so that the seller directly provides the goods information, You might be able to mark a doctor.

More specifically, when the product sale department 200 provides online sales such as a shopping mall server, the buyer terminal 100 and the goods sale department 200 provide product information and display a purchase intention as shown in S111 of FIG. 4 Lt; / RTI >

However, if the merchandise sales department 200 is a payment terminal such as a mobile terminal of a seller or a POS, a purchaser may receive merchandise information while visiting a shop or visiting a store, .

If the purchase intention of the purchaser is delivered online or offline, the product selling section 200 generates purchase information including the purchase amount information (S113).

When the purchase information is generated, the merchandise sales department 200 provides the payment means selection means and selects the payment means from the purchaser through the payment means selection means. The payment means selection means may be displayed on the purchaser terminal unit 100 or on the merchandise sales unit 200 according to the embodiment.

At this time, the merchandise sales department 200 should select the electronic money payment means from the payment means (S115).

When the electronic money is selected as the payment means, the merchandise sales department 200 provides the electronic money settlement means including the purchase information and the seller information to the buyer terminal 100 (S117). At this time, the electronic money payment means is provided to the buyer terminal unit 100 through the wire / wireless data communication network 10 if the goods sale unit 200 is a server on-line. If the goods sale unit 200 is a POS of the offline store or a seller's mobile terminal May be provided via short-range wireless communication.

The purchaser terminal unit 100 provided with the electronic money payment means generates the payment request information including the purchase information, the seller information and the terminal information for making settlement with electronic money through the electronic money payment means (S121) , And transmits it to the electronic money settlement server 400 (S123). The payment request information may be transmitted to the electronic money settlement server 400 through the wire / wireless data communication network 10. At this time, the internet protocol message including the payment request information includes IP (address) information for identifying the country and transmitted.

The electronic money payment server 400 receiving the settlement request information requests the electronic money transaction information to the exchange server 300, which it knows about, in step S125. The electronic money settlement server 400 may be configured to request the electronic money ticker information only to the seller and the exchange server 300 of the country to which the buyer belongs, when the country of the buyer and the seller are identified according to the embodiment.

The electronic money payment server 400 receives the electronic money order information request quote information from the exchange server 300 and stores the electronic money order information in the server storage unit 410 in step S127, After determining the price corresponding to the condition as the applying price, the purchasing information amount included in the purchase information is converted into the electronic money amount (S129).

The electronic money payment server 400 transmits the electronic money transfer request information requesting the electronic money corresponding to the electronic money amount to the buyer terminal 100 (S131).

The electronic money transfer request information may be transmitted by session communication of the electronic wallet to the electronic wallet, but may include a short message service (SMS) including a QR code for activating the electronic wallet, a barcode, a URL, A mobile communication message such as a multimedia message service (MMS), an instant message through a karaoke, a name-on, a push message through an application, e-mail, or the like.

The electronic money settlement server 400 refers to the number of transaction approval approvals per purchase amount stored in the server storage unit 410 after transmitting the electronic money transfer request information and determines the number of transaction approval approvals for the purchase amount included in the payment request information (S133). The transaction approval number may be determined upon detection of the purchase amount by receiving the payment request information.

Upon receiving the electronic money transfer request information from the electronic money payment server 400, the purchaser terminal unit 100 activates the electronic wallet (S135). The electronic wallet may be activated in advance by the purchaser after the creation and transmission of the payment request information.

The purchaser terminal unit 100 may be made up of one purchasing terminal 101 and may activate the electronic wallet by touching the QR code, bar code, URL, etc. of the electronic money transfer request information according to the above-described embodiment will be.

The purchaser terminal unit 100 includes the purchasing terminal 101 and the payment terminal 102. The purchasing terminal 101 that is the first purchaser terminal receives and displays the electronic money transfer request information, The payment terminal 102 which is the second purchaser terminal may photographed with one of the QR code and the bar code displayed on the purchasing terminal 101 to activate the electronic wallet and perform the following process.

When the electronic wallet is activated, the purchaser terminal unit 100 detects and displays the electronic money amount corresponding to the reception of the electronic money transfer request information from the electronic money transfer request information or receives it from the buyer and displays it. (Transaction) information having the electronic money address of the electronic money payment server 400 as the destination is transmitted to the block chain network (S137).

The remittance information transmitted to the block chain network includes the number of transaction approvals, and the number of transaction approvals is performed every time a book (transaction history) of a terminal constituting the block chain network is written. Respectively.

The electronic money settlement server 400 transmits the electronic money transfer request information to the electronic money settlement server 400. The electronic money settlement server 400 transmits the electronic money transfer request information to the electronic money settlement server 400, (S139).

When the transaction approval number is obtained, the electronic money payment server 400 determines whether the acquired transaction approval number is the determined transaction approval number (S141).

If the transaction approval count is equal to or greater than the transaction approval count, the electronic money payment server 400 transmits a sales approval notification message to the product sales department 200 (S143).

At this time, the electronic money payment server 400 has not actually received the electronic money remitted through the block-chain network.

However, the electronic money payment server 400 stores the electronic money corresponding to the electronic money amount of the selling money remitted to the electronic wallet of the seller corresponding to the goods selling unit 200 when the transaction approval number is equal to or greater than the transaction approval number .

In other words, the electronic money corresponding to the sales proceeds after the sale approval notification message is transmitted from the merchandise sales department 200 or after the seller successfully authenticates the seller (not shown) is transferred to the electronic purse of the goods sales department 200 (S145), or transfer money to the deposit account of the seller registered in advance after exchanging the converted cash amount in response to the electronic money of the selling price.

In addition, the electronic money payment server 400 checks whether electronic money is received after transmission of the sales approval notification message (S147).

When the electronic money is received, the electronic money settlement server 400 stores the electronic money of the transfer information in its electronic wallet (S149), and then notifies the completion of the transaction by transmitting a transaction completion notification message to the buyer terminal 100 (S151).

FIG. 5 is a flowchart illustrating a settlement method in an electronic money settlement server of an electronic money settlement system having a purchase cancellation function reflecting electronic money market information according to the present invention, in which a country of a buyer and a seller are identified.

5, the server control unit 450 of the electronic money payment server 400 checks whether a payment request event by receiving payment request information from the buyer terminal unit 100 is generated through the server communication unit 420 (S211).

When the payment request event occurs, the server control unit 450 detects the country of the seller and the buyer (S213). As described above, the buyer's country is identified by the IP information of the received payment request information, and the seller's country will be identified by the country information included in the seller information.

If the country is identified, the server control unit 450 requests the electronic money transaction information to the exchange server 300 of the exchange on the exchange's country (S215).

The server control unit 450 collects electronic money market information received from the exchange servers 300 belonging to the country of the transaction party in response to the request (S217).

When the electronic money transaction information is collected, the server control unit 450 selects an electronic money transaction corresponding to the set state selection condition (S219). As described above, the ticker selection condition may be the lowest price, the weighted average price, or the like.

When the electronic money price is determined, the server control unit 450 applies the price of the selected electronic money to convert the purchase amount of the settlement request information into the electronic money amount (S221).

When the exchange is completed, the server controller 450 transmits the electronic money transfer request information including the electronic money amount information of the exchanged electronic money amount to the buyer terminal 100 (S223).

After the transmission of the electronic money transfer request information, the server control unit 450 determines the number of transaction approval approvals corresponding to the purchase amount (S225).

When the number of transaction approval approvals is determined, the server control unit 450 acquires the transaction approval number from the remittance information of the corresponding transaction requesting the electronic money transfer from the block chain network (S227).

When the transaction approval frequency is obtained, the server control unit 450 determines whether the transaction approval frequency is equal to or greater than the transaction approval frequency (S229).

If the transaction approval number does not satisfy the transaction approval count, the server control unit 450 checks whether an approval failure occurs (S231). If the approval failure does not occur, the server control unit 450 repeats the above-described steps S227 through S231.

If the approval approval number is less than the transaction approval number, the server control unit 450 notifies both the buyer terminal unit 100 and the goods sale unit 200 of the transaction cancellation (S233).

On the other hand, if the transaction approval count is equal to or greater than the transaction approval count, the server control unit 450 generates a sales approval notification message and transmits the message to the goods sale unit 200 (S235).

After the transmission of the approval notification message, the server control unit 450 determines whether electronic money is received (S237).

When the electronic money is received, the server control unit 450 stores the electronic money remitted by the buyer in its electronic wallet (S245), and then transmits a transaction completion notification message to the buyer terminal unit 100 (S247).

FIG. 6 and FIG. 7 are flowcharts illustrating a purchase cancellation method reflecting the electronic money market information of the electronic money settlement system according to the present invention.

Referring to FIGS. 6 and 7, after the settlement of purchase according to the seller's purchase of the purchaser is completed (S311) as described above with reference to FIG. 4 and FIG. 5, the settlement cancellation of the server control unit 450 of the electronic money settlement server 400 The unit 458 monitors whether a purchase decision is made for the merchandise that has been sold and paid (S313), whether a certain period of time has elapsed after the receipt of the merchandise (S315), and whether the purchase is canceled (S317).

When the purchase decision notification information during monitoring is received from the purchaser terminal unit 100, the payment cancellation unit 458 determines that the purchase decision has been made and ends, and if a certain period of time (e.g., 15 days) The settlement cancellation unit 458 ends after it is regarded that the final purchase decision (settlement) has been made (S319).

The purchaser will connect to the electronic money settlement server 400 to confirm the purchase according to the receipt of the goods and the receipt of the goods through the purchaser terminal unit 100 (S321). The purchaser may not access the electronic money payment server 400 even after receiving the goods. In the latter case, if the predetermined time is exceeded, the settlement cancellation unit 458 of the electronic money settlement server 400 regards it as a purchase decision.

The purchaser terminal unit 100 displays a purchasing decision (graphical user interface) means that can connect to the electronic money payment server 400 and can perform purchase confirmation, cancellation of purchase, etc., (S325), and whether purchase cancellation occurs (S323).

When the purchase decision is made, the purchaser terminal unit 100 transmits the purchase decision notification information to the electronic money settlement server 400 (S327).

On the other hand, if the purchase cancellation occurs, the buyer terminal unit 100 transmits the purchase cancellation request information including the settlement identification information to the electronic money settlement server 400 (S329). The payment identification information may include at least one of payment date, sales and purchase approval identification information, and the like.

The payment cancellation unit 458 of the electronic money payment server 400 that has received the purchase cancellation request information notifies the goods sale unit 200 of the occurrence of the purchase cancellation request (S331) And obtains the settlement information (payment) details of the sales payment (S333).

When the settlement information and the sales settlement details are obtained, the settlement cancellation unit 458 determines whether or not to exchange money according to the settlement method set by the seller from the settlement information and the sales amount settlement details or the currency exchange information according to the preset settlement method (S335 ).

If the currency exchange information for the sales proceeds is set to be unchanged, the received electronic money is stored in the seller's electronic wallet. Accordingly, if the amount of the electronic money received by the seller is not exchanged, the payment cancellation unit 458 fetches the electronic money of the electronic money amount received from the seller's electronic wallet and sends the electronic money to the purchaser terminal unit 100 (S337) .

On the other hand, when the selling price is not stored in the electronic wallet of the seller as the electronic money but is exchanged and stored as cash, the payment cancellation unit 458 transmits, via the exchange price collecting unit 453, at least one (S339), and receives from the at least one exchange server 300 at least one ticker information including an electronic money price (S341). In another embodiment, the settlement cancellation unit 458 receives, from the same exchange server 300 that is the same as the exchange server 300 that has provided the buyer with the ticker information applied at the time of purchase, through the exchange market collecting unit 453, .

When the ticketing information is collected, the payment cancellation unit 458 determines that the one ticker corresponding to the ticker selection condition has been applied (S343) Wallet), purchases electronic money corresponding to the sales proceeds (S345), and transfers the electronic money to the purchaser terminal unit 100 of the purchaser who has canceled the purchase (S347).

At this time, remittance to the purchaser terminal unit 100 or the buyer means that the electronic money is transferred to the purchaser's electronic wallet address. The electronic wallet address may be an internal electronic wallet address of the electronic money settlement server 400 which is the same system or an external electronic wallet address which is an electronic wallet address of an electronic money settlement server of another electronic money exchange. The remittance representation of the purchaser terminal unit 100 in the drawing indicates that the purchaser manages the electronic money through the electronic wallet installed in the purchaser terminal unit 100 and confirms the final confirmation through the purchaser terminal unit 100 It is for betting.

The buyer purchases the merchandise A having the sales amount of 10 million Yuan in the state where the electronic money price of the seller country is 10 million Yuan / 1 BTC, transfers the 1 BTC to the purchase electronic money amount to complete the transaction, For example, a case in which 10 million won of money is exchanged by cash is explained.

In the above example, when the buyer requests the cancellation of purchase, the cancellation processor 458 of the electronic money settlement server 400 collects the electronic money information from the exchange server 300 at the point of time when the buyer cancels the purchase cancellation request, One price corresponding to the condition is determined as the application price. If the applicable quotation was 20,000 Yuan / 1 BTC, the payment cancellation unit 458 withdraws the converted 10 million won from the electronic wallet and purchases the electronic money 0.5 BTC with the amount of 10 million Yuan at the time of cancellation of 20 million won / 1 BTC To the buyer. In another example, if the applied price is 5,000,000 won / 1BCT, the settlement cancellation unit 458 will fetch 10 million won of the converted sales money from the electronic purse of the seller and purchase the electronic money of 2BTC and send it to the buyer.

The buyer purchases the product A having the sales amount of 10 million Yuan in the state where the electronic money price of the seller country is 10 million Yuan / 1 BTC, transfers 1BTC to the purchase electronic money amount to complete the transaction, And stores 1BTC in his / her electronic wallet will be described as an example.

In the above example, when the purchaser requests the cancellation of purchase, the cancellation processor 458 of the electronic money settlement server 400 fetches the electronic money 1BTC received from the purchaser directly from the electronic wallet of the seller at the point of time of the cancellation of purchase requested by the buyer Remittance to buyer.

In another embodiment, if there is no 1BTC in the electronic purse of the seller and there is only 0.5TC, collect electronic money information from the exchange server 300, and determine one quotation corresponding to the market selection condition as the application price. If the application price is 20,000 Yuan / 1 BTC, you can ask the seller to send 10 million won to buy 0.5BTC. Upon receipt of the request, the settlement cancellation unit 458 may send 0.5BTC to the purchaser together with 0.5BTC in the electronic wallet after purchasing 0.5BTC for 10 million won.

While the present invention has been described with reference to exemplary embodiments, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims. It will be easily understood. It is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, it is intended to cover various modifications within the scope of the appended claims.

100: a purchaser terminal unit 101: a purchaser terminal
102: Payment terminal 200: Commodity sales department
210: Sales storage unit 220: Sales communication unit
230: Sales display unit 240: Sales input unit
250: sales control unit 251: product sales processing unit
252: Electronic money settlement means providing unit 253: Electronic money settlement processing unit
260: sales payment processing unit 270: payment cancellation processing unit
300: Exchange server 400: Electronic money settlement server
410: server storage unit 420: server communication unit
430: server display unit 440: server input unit
450: server control unit 451: payment request event monitoring unit
452: a country identifying section 453: an exchange market price collecting section
454 Electronic money exchange unit 455 Electronic money transfer request unit
456: Transaction processor 457: Electronic money transferring unit
458:

Claims (16)

The electronic money amount at the point of purchase corresponding to the purchase amount of the merchandise corresponding to the purchase amount of the merchandise is received from the purchaser and the settlement is completed to include the payment information and the payment history information for the payment The electronic money settlement server of claim 1,
An exchange market collecting unit for collecting market information of electronic money from an exchange server of an electronic money exchange; And
When the purchase cancellation request is received from the purchaser, it is determined whether or not the electronic money amount of the received purchase amount has been exchanged in accordance with the settlement method set by the seller. And a payment cancellation unit for sending the electronic money amount reflecting the ticker information collected through the exchange to the buyer. The electronic money payment server according to claim 1, wherein the purchase cancellation function reflects the electronic money order information.
The method according to claim 1,
The payment cancellation unit,
If the exchange settled by the seller is a currency exchange, the electronic commerce exchange information is collected from the electronic money exchange at the point of withdrawal of the purchase through the exchanges ticker collecting unit to determine the application date, Wherein the electronic money purchase server has a purchase cancellation function that reflects the electronic money market information by purchasing the electronic money and sending the electronic money to the purchaser.
The method according to claim 1,
The payment cancellation unit,
If the exchange of money according to the settlement method set by the seller is a cash or a non-exchange of money that has not been exchanged into another electronic money, the electronic money of the electronic money amount received by the seller is remitted to the purchaser and the refund is processed An electronic money settlement server having a purchase cancellation function reflecting currency market information.
The method according to claim 1,
The payment cancellation unit,
When the settlement of sales proceeds is converted into cash, which is a currency, at the time of canceling the purchase, at least one electronic money market information is collected through the exchanges market collecting unit and the market selection condition among the electronic money markets of the collected electronic money market information Wherein the electronic money transaction server receives the electronic money quotation from the electronic money purchase server and selects the electronic money order satisfying one of the plurality of electronic money order as the application fee, and then purchases the electronic money with the converted sales money and sends the electronic money to the purchaser.
5. The method of claim 4,
And wherein said ticketing selection condition is a lowest price.
The electronic money amount at the point of purchase corresponding to the purchase amount of the merchandise corresponding to the purchase amount of the merchandise is received from the purchaser and the settlement is completed to include the payment information and the payment history information for the payment The electronic money settlement system according to claim 1,
At least two exchange servers installed in an electronic money exchange and managing ticker information for the electronic money which fluctuates with time, and providing ticker information when a ticker information request is generated; And
When the purchase cancellation request is received from the purchaser, it is determined whether or not the electronic money amount of the received purchase amount has been exchanged in accordance with the settlement method set by the seller. And an electronic money settlement server for reminding an electronic money amount reflecting the ticker information collected through the exchange server to the buyer.
The method according to claim 6,
The electronic money payment server comprises:
An exchange market collecting unit for collecting market information of electronic money from an exchange server of an electronic money exchange; And
When the purchase cancellation request is received from the purchaser, it is determined whether or not the electronic money amount of the received purchase amount has been exchanged in accordance with the settlement method set by the seller. And a payment cancellation unit for sending an electronic money amount reflecting the ticker information collected through the exchange to the buyer. The electronic money billing system according to claim 1, wherein the purchase cancellation function reflects the electronic money order information.
8. The method of claim 7,
The payment cancellation unit,
If the exchange settled by the seller is a currency exchange, the electronic commerce exchange information is collected from the electronic money exchange at the point of withdrawal of the purchase through the exchanges ticker collecting unit to determine the application date, The electronic money payment system reflecting the electronic money market information by purchasing the electronic money for the purchase and sending the electronic money to the purchaser.
8. The method of claim 7,
The payment cancellation unit,
If the exchange of money according to the settlement method set by the seller is a cash or a non-exchange of money that has not been exchanged into another electronic money, the electronic money of the electronic money amount received by the seller is remitted to the purchaser and the refund is processed An electronic money billing system having a purchase cancellation function reflecting currency market information.
8. The method of claim 7,
The payment cancellation unit,
When the settlement of sales proceeds is converted into cash, which is a currency, at the time of canceling the purchase, at least one electronic money market information is collected through the exchanges market collecting unit and the market selection condition among the electronic money markets of the collected electronic money market information And an electronic money billing system reflecting the electronic money order information, wherein the electronic money ordering information is selected by a user as an application fee, and then the electronic money is purchased and paid to the purchaser by the exchange money.
11. The method of claim 10,
And wherein said ticketing selection condition is a lowest price.
The electronic money amount at the point of purchase corresponding to the purchase amount of the merchandise corresponding to the purchase amount of the merchandise is received from the purchaser and the settlement is completed to include the payment information and the payment history information for the payment And an electronic money settlement system for storing electronic commerce transactions,
A purchase cancellation monitoring step of monitoring whether a purchase cancellation request is generated from a buyer who has transmitted an electronic money amount corresponding to a purchase amount for the goods by the electronic money settlement server; And
When the electronic money payment server receives a purchase cancellation request from the purchaser, judges whether or not the electronic money amount of the received purchase amount has been exchanged in accordance with the settlement method set by the seller, And a payment cancellation step of transferring the electronic money amount reflecting the ticker information collected through the exchange price collecting unit to the seller at the time of cancellation. The electronic money settlement method according to claim 1, .
13. The method of claim 12,
The payment cancellation process includes:
Determining whether the electronic money payment server has exchanged money according to the settlement method set by the seller when a purchase cancellation request is generated;
Determining whether the electronic money settlement server collects electronic money market information at the time of purchase cancellation from the exchange servers to determine an application market if the exchange of money according to the settlement method set by the seller is a currency exchange;
A refund electronic money amount purchasing step of purchasing an electronic money reflecting the ticker information collected through the exchanges ticker collecting unit by the electronic money settlement server applying the application timing of the purchase cancellation time; And
And a refund step in which the electronic money settlement server transmits an electronic money corresponding to the electronic money amount to the buyer, wherein the electronic money settlement server reflects the electronic money ticketing information.
14. The method of claim 13,
The payment cancellation process includes:
If the exchange of money according to the settlement method set by the seller in the payment settlement determination step of the electronic money settlement server is unchanged and the electronic money is received, the electronic money of the received electronic money amount is remitted to the buyer Further comprising a step of receiving the electronic money quotation information, and the electronic money refund step.
14. The method of claim 13,
The application price determination step
Wherein the electronic money settlement server selects one electronic money order that satisfies the market selection condition among the electronic money order information of the electronic money ticket information collected at the time of withdrawing the electronic money using the purchase order reflecting the electronic money order information, Canceling function.
16. The method of claim 15,
And wherein the ticketing selection condition is the lowest price. The electronic money settlement method according to claim 1, wherein the purchase cancellation function reflects the electronic money ticketing information.

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