KR102016861B1 - Transaction system using virtual currency - Google Patents

Transaction system using virtual currency Download PDF

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KR102016861B1
KR102016861B1 KR1020180107671A KR20180107671A KR102016861B1 KR 102016861 B1 KR102016861 B1 KR 102016861B1 KR 1020180107671 A KR1020180107671 A KR 1020180107671A KR 20180107671 A KR20180107671 A KR 20180107671A KR 102016861 B1 KR102016861 B1 KR 102016861B1
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virtual currency
payment
subscriber
terminal
seller
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KR1020180107671A
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Korean (ko)
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KR20180107037A (en
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이장원
이기우
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이장원
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/381—Currency conversion

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  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

According to the present invention, a purchaser who holds a virtual currency as a subscriber electronic wallet can use it as cash converted according to the price of the virtual currency, and the seller can request a payment and receive payment in cash or virtual currency in the same manner as a general payment. By doing so, the present invention relates to a payment system using virtual currency that guarantees stable transactions of high reliability.
According to the present invention, the seller terminal transmits the sales information including the sales price and the deposit account of the seller to the purchaser terminal by using a barcode or near field communication (NFC) means, and the purchaser terminal provided with the sales information is a buyer's ID. Requests for payment of virtual money by transmitting buyer information including payment information and payment information including the sale information to a virtual money payment server, wherein the virtual money payment server includes a subscriber-specific electronic wallet in which the buyer's virtual money is stored; The purchaser terminal receiving the converted amount information of the subscriber's virtual currency, the DB of the subscriber's virtual currency is stored, the virtual currency of the subscriber's electronic wallet is converted into the market price at the time of transaction, and the converted amount information is transmitted to the purchaser's terminal. Transmits the payment request data to the virtual currency payment server, and the paid virtual currency is transferred to the virtual currency DB. After transmitting and storing, and transmitting the approval data to the seller terminal and the buyer terminal, and provides a payment system using a virtual currency, characterized in that configured to pay the seller or the virtual currency itself converted into a virtual currency price of the subscriber. .

Figure 112018089596831-pat00001

Description

Payment system using virtual currency {Transaction system using virtual currency}

According to the present invention, a purchaser who holds a virtual currency as a subscriber electronic wallet can use it in cash according to the price of the virtual currency, and the seller can request a payment and receive payment in cash or virtual currency in the same manner as a general payment. The technical field is a payment system using virtual currency that guarantees stable and reliable transactions.

As a background technology for the present invention, there is a digital virtual currency payment system technology based on the Wi-Fi network of Republic of Korea Patent No. 10-1591245 B1 shown in FIG. This technology allows you to make a payment through Bitcoin through a wireless communication network including Wi-Fi network without waiting for the order number at the checkout counter of the store when you use Bitcoin to pay various items sold in the store. It relates to a digital virtual currency payment system based on the shortened Wi-Fi network, the store terminal 100 for managing goods in the store to provide goods and services; A store homepage operation server 200 for operating a homepage of a corresponding store so as to view goods and services sold in a store managing the store terminal 100; A bitcoin payment server 300 for paying for payment of the requested goods and services with bitcoin; A Wi-Fi network 400 that is installed at a store that manages the store terminal 100 to provide a wireless Internet service to a user who uses a store, and includes an access point (AP); Access to the shop homepage operation server 200 via a wireless communication network including the Wi-Fi network 400 installed on the store side managing the store terminal 100 to purchase goods or services to be purchased through the information of the corresponding store displayed Selecting, and the customer terminal 500 to provide the bitcoin payment-related information in order to request the payment of the selected goods or services in Bitcoin; wherein, the customer terminal 500 is possible for customers to pay with Bitcoin When you visit a store or shopping mall and run the Bitcoin payment app installed in the customer terminal 500, the SSID of the AP of the Wi-Fi network 400 available by searching for the AP of the Wi-Fi network 400 installed in the surrounding shops Detects the MAC address, the corresponding shop corresponding to the SSID and the MAC address of the AP of the Wi-Fi network 400 on the information output unit 520 of the customer terminal 500 And performing a function of controlling the output of the URL of the homepage and the seller-side Bitcoin public address operated in the corresponding store, and the store homepage operation server 200 is selected by the request of the customer terminal 500. Purchase product-related information including a purchase product name and a purchase amount representing a product or service, request store bitcoin identification information identifying a corresponding store performing payment with Bitcoin, and bits provided by the customer terminal 500 Generates a request store bitcoin payment request signal consisting of coin payment related information and transmits it to the bitcoin payment server 300, wherein the bitcoin payment server 300 forms the transmitted request store bitcoin payment request signal Bitcoin amount corresponding to the purchase amount by referring to the product related information among the information Subtract the bitcoin payment based on the related information and generate bitcoin payment performance information to complete the bitcoin payment.

As another background technology of the present invention, there is a virtual currency payment processing method of the Republic of Korea Patent No. 10-1782443 B1 shown in Figure 2 and the card payment terminal technology for performing the same. This technology relates to a virtual currency payment processing method and a card payment terminal for performing the same, wherein the method includes a first public key and a private key indicating an address and a password of a virtual currency to be used for payment together with card information. Reading from an IC card; Generating a virtual currency transaction history including a first public key read from the IC card, a second public key representing the address of the merchant side virtual currency, and a transaction amount; And transmitting the generated virtual currency transaction details to the virtual currency network using the second public key of the affiliated store as a receiver.

As another background technology for the present invention, there is a payment system, a server, and a method technology using bitcoin of Korea Patent No. 10-1872423 B1 shown in FIG. 3. This technology relates to a payment system, a server, and a method using bitcoin that enables a consumer to pay bitcoin and converts the paid bitcoin into a general currency and settles it at a merchant. Request and be informed of the completion of the Bitcoin payment; The payment server performs the bitcoin payment according to the bitcoin payment request from the consumer terminal, notifies the consumer terminal of the completion of the bitcoin payment, converts the paid bitcoin into a general currency, settles the merchant and notifies the settlement completion; The merchant terminal may be notified of the settlement completion from the payment server.

KR 10-1591245 B1 KR 10-1782443 B1 KR 10-1872423 B1 KR 10-0792147 B1

According to the present invention, a purchaser who holds a virtual currency as a subscriber electronic wallet can use it in cash according to the price of the virtual currency, and the seller can request a payment and receive payment in cash or virtual currency in the same manner as a general payment. An object of the present invention is to provide a payment system using a virtual currency that guarantees a stable and reliable transaction.

According to the present invention, the seller terminal transmits the sales information including the sales price and the deposit account of the seller to the purchaser terminal by using a barcode or near field communication (NFC) means, and the purchaser terminal provided with the sales information is a buyer's ID. Requests for payment of virtual money by transmitting buyer information including payment information and payment information including the sale information to a virtual money payment server, wherein the virtual money payment server includes a subscriber-specific electronic wallet in which the buyer's virtual money is stored; The purchaser terminal receiving the converted amount information of the subscriber's virtual currency, the DB of the subscriber's virtual currency is stored, the virtual currency of the subscriber's electronic wallet is converted into the market price at the time of transaction, and the converted amount information is transmitted to the purchaser's terminal. Transmits the payment request data to the virtual currency payment server, and the paid virtual currency is transferred to the virtual currency DB. After transmitting and storing the data, and transmitting the approval data to the seller terminal and the buyer terminal, the payment system using the virtual currency, characterized in that configured to pay the seller or the virtual currency itself converted into a virtual currency price of the subscriber. Provide as a solution.

In the payment system using the virtual currency of the present invention, the purchaser who holds the virtual currency as a subscriber electronic wallet can use the cash converted according to the price of the virtual currency, and the seller requests the cash and the cash or By being able to be paid in virtual currency, it provides the technical effect of ensuring stable transactions of high trust.

1 is a configuration of a digital cryptocurrency payment system based on a Wi-Fi network as a background technology for the present invention.
2 is a diagram illustrating a virtual currency settlement processing method and a card payment terminal for performing the same as another background technology of the present invention.
3 is a view illustrating the configuration of a payment system, a server, and a method technology using bitcoin as another background technology for the present invention.
4 is a basic configuration of the present invention
Figure 5 is a configuration of the buyer terminal of the present invention
Figure 6 is a configuration of the seller terminal of the present invention
Figure 7 is a configuration of the virtual currency payment server of the present invention
8 is an embodiment of performing a virtual currency transaction payment through the buyer terminal in the present invention
9 is information exchanged between each terminal and the virtual currency payment server in the embodiment of performing the virtual currency transaction payment through the buyer terminal in the present invention
10 is an embodiment of performing a virtual currency transaction settlement through the seller terminal in the present invention
11 is information exchanged between each terminal and the virtual currency settlement server in the embodiment of performing the virtual currency transaction settlement through the seller terminal in the present invention

The following merely illustrates the principles of the invention. Accordingly, those of ordinary skill in the art may implement the principles of the present invention and invent various devices included in the concept and scope of the present invention, although not clearly described or illustrated herein. In addition, all conditional terms and embodiments listed herein are in principle clearly intended to be understood only for the purpose of understanding the concept of the invention and are not to be limited to the specifically listed embodiments and states. do. In addition, it is to be understood that all detailed descriptions, including the specific embodiments, as well as the principles, aspects, and embodiments of the present invention, are intended to include structural and functional equivalents thereof.

The above objects, features and advantages will become more apparent from the following detailed description taken in conjunction with the accompanying drawings. In describing the present invention, when it is determined that the detailed description of the related known technology may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

Figure 4 shows the basic configuration of the present invention. The payment system using the virtual currency of the present invention may be achieved through a virtual currency payment server based on a transaction using a seller terminal and a buyer terminal. The transaction is paid in the general currency (in Korean currency) required by the seller, and the buyer pays in virtual currency held by the subscriber's electronic wallet. In this case, the price of the virtual currency of the subscriber electronic wallet of the buyer may change with respect to a general currency. According to the present invention, the virtual currency of the subscriber electronic wallet in the above transaction is paid to the seller in terms of the price at the time of settlement of the transaction. In this case, when the seller is registered as a subscriber of the virtual currency settlement server, payment may be made in virtual currency according to the seller's selection. In addition, the virtual currency settlement server, and stores the virtual currency and the transaction history to be stored in the subscriber transaction history DB to manage as a transaction record.

Therefore, in the payment system using the virtual currency of the present invention, a buyer who holds the virtual currency as a subscriber electronic wallet can use it as a payment method without selling or exchanging the virtual currency, and the seller requests the same price as the general payment. It is paid in virtual currency or equivalent. In addition, the virtual currency paid in the amount converted by the buyer in the above transaction is managed by a virtual currency DB (not shown), so that the buyers can purchase separately.

(A) of the drawings shows an embodiment of performing a transaction settlement between the seller and the buyer through the buyer terminal in the present invention. First, the seller terminal transmits the sales information including the selling price and the seller's deposit account or the seller's ID to the buyer terminal. In this case, the sales information may be transmitted using an existing barcode or near field communication (NFC) means. The buyer terminal provided with the sale information transmits the buyer information including the buyer's ID and the sale information to a payment server, and requests payment of virtual currency. The virtual currency settlement server inquires the subscriber-specific electronic wallet in which the virtual currency of the buyer is stored and converts the virtual currency corresponding to the selling price. At this time, the virtual currency settlement server inquires the actual transaction price of the virtual currency and converts the selling price into the virtual currency. Subsequently, the virtual currency settlement server transmits the virtual currency settlement approval information to the purchaser terminal, pays the selling price to the seller, and stores the transaction history in the subscriber transaction history DB.

In this case, the seller terminal may be a subscriber of a virtual currency settlement server and request payment using virtual currency. When the payment request is made, the buyer terminal transmits the purchaser information including the buyer's ID and the sale information including the seller's ID to the payment server to request payment in virtual currency, and the virtual currency server requests the virtual currency. Inquire the actual transaction price and convert the payout into virtual currency. Subsequently, the virtual currency settlement server transmits the virtual currency settlement approval information to the purchaser terminal, pays the selling price to the seller as virtual currency, and stores the transaction history in the subscriber transaction history DB.

(B) of the figure shows another embodiment in which the transaction settlement between the seller and the buyer in the present invention through the seller terminal. First, the purchaser terminal provides purchase information including the purchaser's ID to the seller terminal using a barcode or near field communication (NFC) means.

The seller terminal receiving the purchase information transmits the purchaser information and the sale information including the purchaser's ID to the payment server to request payment. The virtual currency settlement server inquires the subscriber-specific electronic wallet in which the virtual currency of the buyer is stored and converts the virtual currency corresponding to the selling price. At this time, the virtual currency settlement server inquires the actual transaction price of the virtual currency and converts the selling price into the virtual currency. Subsequently, the virtual currency settlement server transmits the virtual currency settlement approval information to the purchaser terminal, pays the selling price to the seller, and stores the transaction history in the subscriber transaction history DB.

In this case, the seller terminal may be a subscriber of a virtual currency settlement server and request payment using virtual currency. When the payment request is made, the seller terminal transmits the purchaser information including the buyer's ID and the sale information including the seller's ID to the payment server to request payment as virtual currency, and the virtual currency server requests the virtual currency. Inquire the actual transaction price and convert the payout into virtual currency. Subsequently, the virtual currency settlement server transmits the virtual currency settlement approval information to the purchaser terminal, pays the selling price to the seller, and stores the transaction history in the subscriber transaction history DB.

Figure 5 shows the configuration of a buyer terminal of the present invention. Buyer terminal 100 of the present invention, the mobile control unit 110 to perform the overall control of the buyer terminal (100); A mobile communication unit 120 for data communication with the virtual currency settlement server 300; A subscriber ID storage unit 130 for accessing the virtual currency settlement server 300 and the purchaser terminal 100; A mobile local area communication unit 140, a camera C, and a barcode reader 160 for providing payment information between the seller terminal 200 and the purchaser terminal 100; It consists of; payment information storage unit 150 for storing the payment information provided from the seller terminal 200.

Figure 6 shows the configuration of a seller terminal of the present invention. Seller terminal 200 of the present invention, the terminal control unit for performing the overall control of the seller terminal 200; A terminal communication unit 220 for data communication with the virtual currency settlement server 300; A display unit 230 for providing payment information to the purchaser terminal 100 in a barcode; Terminal short-range communication unit 240 for providing payment information between the seller terminal 200 and the buyer terminal 100; A product information storage operation unit 250 for storing items and amounts of sale products and calculating payment amounts; When the seller terminal 200 is a subscriber of the virtual currency settlement server 300, the seller terminal ID storage unit 260 for storing the seller's ID.

7 is a block diagram of a virtual currency settlement server according to the present invention. The virtual currency payment server 300 of the present invention, the payment server control unit 310 for performing the overall control of the virtual currency payment server 300; A payment server communication unit 330 communicating with a purchaser terminal 100, a seller terminal 200, and a virtual currency quote server for communication; A virtual currency quote storage unit 350 for storing a virtual currency quote provided in real time from the virtual currency quote server; A subscriber-specific electronic wallet 375 having a purchaser terminal 100 to a seller terminal 200 as a subscriber; A subscriber transaction history DB 380 for storing transaction details corresponding to the subscriber's electronic wallet; A subscriber DB 370 managing the subscriber electronic wallet 375 and subscriber transaction details DB 380 in association with each other; A virtual currency DB 390 for storing virtual currency used as a payment means by the purchaser terminal 100; A DB search unit 320 for connecting, inquiring and updating the subscriber DB 370 and the virtual currency DB 390 with the payment server controller 310; A payment operator 360 for updating the information of the subscriber DB 370 and the virtual currency DB 390 by adding or subtracting the virtual currency of the subscriber-specific electronic wallet 375 according to the payment to the payment server controller 310; And a virtual currency conversion unit 340 for converting the virtual currency of the subscriber-specific electronic wallet 375 into the sales price according to the price stored in the virtual currency price storage unit 350.

8 illustrates an embodiment of performing a virtual currency transaction settlement through a buyer terminal in the present invention. Hereinafter, the virtual currency transaction settlement will be described in order by referring to the drawings.

1. The seller terminal 200 transmits the sales information including the selling price and the seller's deposit account or the seller's ID to the purchaser terminal 100 using a barcode or near field communication (NFC) means.

2. The purchaser terminal 100 provided with the sales information transmits the purchaser information including the purchaser's ID and the payment information including the sale information to the virtual currency settlement server 300 to request the settlement of the virtual currency. .

3. The virtual currency settlement server 300 inquires the purchaser's ID to access the subscriber DB 310 to query the subscriber's electronic wallet 375 in which the buyer's virtual currency is stored, and the subscriber's electronic wallet. The real transaction price of the virtual currency is searched (375), and the virtual currency and the converted amount information are transmitted to the purchaser terminal 100 by converting it into a selling price.

4. The buyer terminal 100 provided with the converted amount information transmits payment request data including whether to pay in virtual currency or in the converted amount to the virtual currency settlement server 300.

5. The virtual currency settlement server 300 that receives the payment request from the purchaser terminal 100 transmits the approval data to the seller terminal.

6. The virtual currency settlement server 300 transmits the approval data to the purchaser terminal.

7. The virtual currency settlement server 300 pays the sales price to the seller, updates the virtual currency of the electronic wallet 375 for each subscriber, and stores the transaction history in the subscriber transaction history DB.

9 is a diagram illustrating information exchanged between each terminal and a virtual currency settlement server in an embodiment of performing virtual currency transaction settlement through a buyer terminal in the present invention.

The sales information provided from the seller terminal 200 to the purchaser terminal 100 using a barcode or near field communication (NFC) means includes a payment account of the seller, a contact information of the seller, and a payment amount. When the seller is a subscriber of the virtual currency settlement server 300, the seller's deposit account may be replaced with the subscriber's subscriber ID.

The buyer terminal 100 provided with the sale information transmits the buyer information including the sale information and the ID of the buyer to the virtual currency settlement server 300 to request payment of the virtual currency.

The virtual currency settlement server 300 accesses the subscriber DB 370 and inquires the actual transaction price of the electronic wallet 375 for each subscriber and the virtual currency, in which the virtual currency of the buyer is stored, and the virtual currency corresponding to the settlement amount. Converted to the purchaser terminal 100 to transfer the converted amount information, and the virtual money is transferred to the virtual currency DB (340) from the electronic wallet 375 for each subscriber and stored, and then transmits the approval data to the seller terminal After paying the sales price converted to the virtual currency of the subscriber to the seller, updating the virtual currency of the subscriber-specific electronic wallet 375 and storing the transaction history in the subscriber transaction history DB 380.

10 illustrates an embodiment of performing a virtual currency transaction settlement through a seller terminal in the present invention. Hereinafter, the virtual currency transaction settlement will be described in order by referring to the drawings.

1. The purchaser terminal 100 transmits the purchaser information including the purchaser's ID to the seller terminal 200 using a barcode or near field communication (NFC) means.

2. The seller terminal 200 provided with the sale information includes payment information including purchaser information including a purchaser's ID and sales information including a purchase price and a seller's deposit account or a seller's ID. Send to 300 to request the payment of virtual currency.

3. The virtual currency settlement server 300 inquires the purchaser's ID to access the subscriber DB 310 to query the subscriber's electronic wallet 375 in which the buyer's virtual currency is stored, and the subscriber's electronic wallet. The actual transaction price of the virtual currency is searched (375), and the virtual currency and the converted amount information are transmitted to the seller terminal 200 by converting into a selling price.

4. The seller terminal 200 provided with the converted amount information, the virtual currency payment server 300 to the virtual currency payment server 300, the virtual currency payment server including payment request data including whether to be paid in the virtual currency or the converted amount Send to 300.

5. The virtual currency settlement server 300 that receives the payment request from the seller terminal 200 transmits the approval data to the seller terminal 200.

6. The virtual currency settlement server 300 transmits the approval data to the purchaser terminal 100.

7. The virtual currency settlement server 300 pays the sales price to the seller, updates the virtual currency of the subscriber-specific electronic wallet 375, and stores the transaction history in the subscriber transaction history DB 380.

FIG. 11 illustrates information exchanged between respective terminals and a virtual currency settlement server in an embodiment of performing virtual currency transaction settlement through a seller terminal in the present invention.

The purchaser terminal 100 provides the purchaser information including the purchaser ID to the seller terminal 200 by using a barcode or near field communication (NFC) means.

The seller terminal 200 provided with the buyer information transmits payment information including the buyer information, the payment account of the seller, the contact number of the seller, and the payment amount to the virtual currency settlement server 300 to perform payment of virtual currency. request. When the seller is a subscriber of the virtual currency settlement server 300, the seller's deposit account may be replaced with the subscriber's subscriber ID.

The virtual currency settlement server 300 accesses the subscriber DB 370 and inquires the actual transaction price of the electronic wallet 375 for each subscriber and the virtual currency, in which the virtual currency of the buyer is stored, and the virtual currency corresponding to the settlement amount. The converted amount is converted to the seller terminal 200, and the converted virtual currency is transferred to the virtual currency DB 340 from the purchaser's subscriber-specific electronic wallet 375 and stored thereafter, and the approval data is transferred to the seller terminal. After transmitting, the seller pays the sales price converted into the virtual currency of the subscriber, updates the virtual currency of the subscriber-specific electronic wallet 375, and stores the transaction history in the subscriber transaction history DB 380.

In the payment system using the virtual money of the present invention as described above, the buyer who holds the virtual money as a subscriber electronic wallet can use the purchase amount of the virtual money as cash, and the seller can pay the same amount as the general payment. Request and get paid In addition, when the actual transaction price of the virtual currency at the time of payment is lower than the price at the time of virtual currency purchase, it is characterized by ensuring a stable transaction of high reliability by compensating the amount paid to the seller by the difference stored in the subscriber conversion DB.

 Although the payment system using the virtual currency of the present invention of the present invention has been described by the limited embodiments and drawings, the present invention is not limited thereto and is seen by those skilled in the art to which the present invention pertains. Various modifications and variations are possible without departing from the spirit of the invention and the equivalent scope of the claims to be described below.

100: buyer terminal 110: mobile control unit
120: mobile communication unit 130: subscriber ID storage unit
140: mobile local area communication unit 150: payment information storage unit
160: barcode reader 200: seller terminal
210: terminal control unit 220: terminal communication unit
230: display unit 240: terminal short-range communication unit
250: product information storage operation unit 260: seller terminal ID storage unit
300: virtual currency payment server 310: payment server control unit
320: DB search unit 330: payment server communication unit
340: virtual currency conversion unit 350: virtual currency price storage unit
360: payment calculation unit 370: subscriber DB
375: e-wallet by subscriber 380: subscriber transaction history DB
390: virtual currency DB

Claims (10)

In the payment system using the virtual currency performed through the virtual currency payment server for the transaction using the seller terminal and the buyer terminal,

A payment server controller 310 that performs overall control of the virtual currency payment server 300;
A payment server communication unit 330 communicating with a purchaser terminal 100, a seller terminal 200, and a virtual currency quote server for communication;
A virtual currency price storage unit 350 for storing the virtual currency price provided through the payment server communication unit 330 in real time from the virtual currency price server;
A subscriber-specific electronic wallet 375 having a purchaser terminal 100 to a seller terminal 200 as a subscriber;
A subscriber transaction history DB 380 for storing transaction details corresponding to the subscriber's electronic wallet;
A subscriber DB 370 managing the subscriber electronic wallet 375 and subscriber transaction details DB 380 in association with each other;
A virtual currency DB 390 for storing virtual currency used as a payment means by the purchaser terminal 100;
A DB search unit 320 for connecting, inquiring and updating the subscriber DB 370 and the virtual currency DB 390 with the payment server controller 310;
A payment operator 360 for updating the information of the subscriber DB 370 and the virtual currency DB 390 by adding or subtracting the virtual currency of the subscriber-specific electronic wallet 375 according to the payment to the payment server controller 310;
A virtual currency conversion unit 340 for converting the virtual currency of the subscriber-specific electronic wallet 375 into the sales price according to the price stored in the virtual currency price storage unit 350;
And
Seller terminal 200 transmits the sales information including the sales price and the payment account of the seller or the seller's ID to the purchaser terminal 100 using a barcode or near field communication (NFC) means,
The purchaser terminal 100 provided with the sales information transmits the purchaser information including the purchaser ID and the payment information including the sale information to the virtual currency settlement server 300 to request the settlement of the virtual currency,
The virtual currency settlement server 300 queries the purchaser's ID to access the subscriber DB 310 to query the subscriber-specific electronic wallet 375 in which the virtual currency of the buyer is stored.
By using the virtual currency quotes provided through the payment server communication unit 330 in real time from the virtual currency quote server and stored in the virtual currency quote storage unit 350, the virtual currency of the subscriber-specific electronic wallet 375 is converted into a selling price. The virtual currency and the converted amount information is transmitted to the purchaser terminal 100,
The buyer terminal 100 provided with the converted amount information transmits payment request data including whether to pay in virtual currency or in converted amount to the virtual currency settlement server 300.
The virtual currency payment server 300 provided with the payment request from the purchaser terminal 100 setstles and updates the virtual currency of the electronic wallet 375 for each subscriber and stores the transaction details in the subscriber transaction history DB. The seller terminal and the buyer terminal Send authorization data to,
The virtual currency settlement server 300 is a payment system using virtual currency, characterized in that configured to pay the sales price to the seller.


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KR20210065903A (en) 2021-05-17 2021-06-04 주식회사 예스라이브 Online shopping service system affiliated to crypto currency
US20210312548A1 (en) * 2021-01-07 2021-10-07 Aura7 USA Inc. System and method for payments in financial instrument's trade

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