KR102060976B1 - Method for dealing a digital currency with block chain matching QR(or BAR) code - Google Patents

Abstract

The present invention relates to a digital virtual currency transmission method for matching and transmitting a digital virtual currency and a QR (or a bar) code. The present invention creates a digital virtual currency transaction method for linking and transmitting a digital virtual currency and a biometric authentication signal to prevent ownerless virtual currency transmission or security and hacking by an authentication means even when lost is a private key corresponding to a unique address, namely a public address and a password of a trading system of a digital virtual currency having a block chain between parties and resolve security and hacking problems of a device without a biometric authentication means or a device with the biometric authentication means installed therein simply by matching a QR code or a barcode to a virtual currency file without using a separate biometric authentication device.

Description

Method for dealing a digital currency with block chain matching QR (or BAR) code}

The present invention relates to a digital cryptocurrency transmission method for transmitting digital cryptocurrencies by matching QR (or BAR) codes, and in particular, fingerprint / The present invention relates to a digital cryptocurrency transmission method for transmitting digital cryptocurrencies by using QR (or BAR) codes by using security means by identification sensors of finger vein / iris / face / QR code / Bar code.

The inventor has applied for a 3D stereoscopic imaging device as a fingerprint and finger vein authentication device in accordance with Patent Application No. 10-2016-46122 for the technical matters applied as the subject matter of this patent application, and also the domestic patent application No. 10 Patents for fingerprints and fingerprints, fingerprints and finger veins, finger veins and finger veins have been patented by -2016-0153836, 10-2016-0157310, and 10-2016-0157311.

The trading system for digital cryptocurrency with blockchain between the parties, which is a background technology applying this, has also been patented with the patent registration Nos. 10-1673073 and 10-1628007.

In other words, the Bitcoin (BTC) system was developed in 2009 by an individual or group of programmers under the pseudonym Nakamoto Satoshi, and basically does not depend on a specific computer or network. It is based on a distributed database based on P2P (pear to pear). In a nutshell, it means that the individual computers or servers with the Bitcoin (same concept as virtual currency) program will come together to form the entire Bitcoin (same concept as virtual currency) system.

In this system, what we call bitcoin (the same concept as virtual currency) is created through the act of mining (originally, information mining, which is commonly used in Korea as mining). Generated coins can be stored and traded in your personal wallet. Such Bitcoin (the same concept as virtual currency) is currently about 13.8 million mined and circulated, and by 2140, 21 million are planned to be sequentially mined.

Mining is the key word in the description of Bitcoin (the same concept as virtual currency).

Mining is usually a way of getting new bitcoins (similar to virtual currency). Bitcoin (the same concept as virtual currency) is the first computer that finds it by competing to find an operation value that satisfies a specific condition. The process provided is called mining. This mining is not only a method of acquiring bitcoin (the same concept as virtual currency), but also simultaneously authenticates the transaction of bitcoin (the concept of virtual currency).

Global companies currently accepting payments in Bitcoin (the same concept as virtual currency) include DELL (computer), MicroSoft (software), Expedia (world's largest online travel agency), and Braintree, a subsidiary of PayPal (payment). The numbers are growing rapidly. The approximate merchant status can be found at http://coinmap.org.

The following is the structure of Crypto-Currency.

Crypto-Currencies, represented by Bitcoin (the same concept as virtual currency), have a common type of transaction ledger called Blockchain.

As an overview, a general user downloads a cryptocurrency wallet program to his computer. Then install it on your computer. The program then runs and starts to synchronize (match) the blockchain with itself and the network. Since the data reaches tens of gigabytes, it usually takes three to seven days. After the synchronization, you can create your own address (the concept of an account at the bank) in your wallet and send or receive Bitcoin (similar to virtual currency) through that address. In the case of Bitcoin (the same concept as virtual currency), an address is a combination of 34 alphanumeric characters starting with 1 and numbers (ex, 1MowqQrQJL5AeaDMpX35B6EiJ4qnXPJnFp).

Here, all cryptocurrencies (Crypto-Currency) that runs on the blockchain system, including Bitcoin (the same concept as virtual currency), are paired with the user in the form of 'private key-public key (address)'. have. The public key corresponds to the bank account number and the private key corresponds to the password, which is a pair that only fits each other.

In the case of Bitcoin (same concept as virtual currency) QT program (user's personal wallet program), the user's password is encrypted and stored in the member computer.

In the case of Bitcoin (similar to virtual currency) exchange web wallet, the private key is encrypted and stored in the server using a user password or a server sort.

In any case, the conventional method is to store a private key on a server or a member computer.

In other words, there is a possibility that an insider related to exchange security who knows how to encrypt decrypts the encrypted private key stored in the server and uses it secretly.

When a member inquires his account through the exchange server, the balance registered and stored in the server database (DB) is shown. The actual balance at the address is meaningless to the member. The actual transmission of ordinary Bitcoin (the same concept as virtual currency) requires 6 confirmations, which takes about an hour, so it is not possible to buy and sell frequently in a short time.

Looking at this, as shown in Figures 1 and 2, the transaction system of the digital cryptocurrency having a blockchain between the parties of the present invention is a plurality of blockchain holding server 100, blockchain-based digital cryptocurrency trading guide server 200 , The presenter terminal 300 and the recipient terminal 400.

First, the plurality of blockchain holding server 100 is a blockchain-based digital cryptocurrency through verifying the transaction information for the digital cryptocurrency transaction having the blockchain transmitted when the transaction information for the digital cryptocurrency transaction having the blockchain is transmitted It is a member equipped with a blockchain that records transactions and records transaction information for a digital cryptocurrency transaction with a blockchain in accordance with the certification.In the case of a digital virtual currency transaction with a blockchain, It is a device that forms a peer-topeer network (P2P) -based distributed database, that is, a bitcoin (similar to virtual currency) network, which conducts digital cryptocurrency transactions with blockchain through authentication and record.

In such a configuration of the blockchain holding server 100, the blockchain-based digital cryptocurrency trading guide server 200, which will be described later, operated by a bitcoin (same concept as a virtual currency) exchange side, belongs to one member. .

In addition, the propagation of transaction information for a digital cryptocurrency transaction with a blockchain is promised by a communication protocol, and when a transaction information for a digital cryptocurrency transaction with a blockchain occurs, one node (here, a blockchain holding server) Is propagated to the next 8 nodes designated, and through the pyramid-type propagation that repeatedly propagates to the next 8 nodes designated for each 8 nodes that receive the transaction information for the digital cryptocurrency transaction with the block chain. By propagating to all the blockchain holding server 100 equipped with a blockchain necessary to perform a digital virtual currency transaction with a blockchain, it is completed.

Meanwhile, the blockchain holding servers 100 are equipped with a blockchain, and a server (or terminal) operated by a miner for mining a digital cryptocurrency having a blockchain or a user for a digital cryptocurrency transaction having a blockchain. The terminal (for example, a PC or a smartphone) may also be made of one member when an electronic wallet with a blockchain is mounted.

Types of digital cryptocurrencies with blockchains having such transaction characteristics include bitcoin (the same concept as virtual currency), litcoin, dark coin, namecoin, ceramic coin, and ripple.

When the blockchain-based digital cryptocurrency transaction guidance server 200 transmits a donor transaction request signal, the blockchain-based digital cryptocurrency transaction guidance server 200 generates a recipient recognition URL (A) for guiding a beneficiary who receives a digital cryptocurrency having a blockchain. When the personal information signal for authentication of the beneficiary is transmitted, the donor deducts the amount of money to be given to the beneficiary from the blockchain-based digital cryptocurrency amount information held in the electronic wallet, and the donor's electronic wallet by the deducted amount. A party that is a donor and a donor as a member that generates transaction information for digital cryptocurrency transactions that consists of transaction details accumulated in blockchain-based digital cryptocurrency amount information of the blockchain, and controls it to be propagated to the blockchain holding servers 100. 32-byte public transaction of digital cryptocurrency with blockchain It performs the function of guiding the transaction to be made easily through the above-mentioned certificate recognition URL (A) without knowing the Rick address.

To this end, the blockchain-based digital cryptocurrency transaction guide server 200 is information registered when a user registers for the blockchain-based digital cryptocurrency transaction, the member's ID, password, phone number including the communication terminal, Member list information DB (211) in which the personal information including the address is stored separately for each member, and the public address and private key of the blockchain-based digital cryptocurrency opened by the user who subscribed as a member. And a DB unit 210 having an electronic wallet list information DB 212 in which an electronic wallet including blockchain-based digital cryptocurrency amount information is divided and stored for each member.

Through this, when the blockchain-based digital virtual currency transaction guide server 200 transmits the presenter's transaction request signal from the presenter terminal 300 to be described later, the personal information of the presenter included in the presenter's transaction request signal is included in the membership list information. Matches with DB 211, generates a recipient recognition URL (A) after confirming that the member is transmitted to the presenter terminal 300, and when the details of the receiver authentication information is sent from the recipient terminal 400 to be described later the recipient authentication The blockchain-based digital cryptocurrency amount stored in the donor's electronic wallet information in the electronic wallet list information DB 212 after confirming that the member matches the personal information of the beneficiary included in the user's personal information signal with the member list information DB 211. Subtract the amount of information you want to give to the beneficiary, and blockchain-based digital cryptocurrency stored in the donor's electronic wallet information for the deductible amount. It accumulates in the liquid crystal beam and generates transaction information for digital virtual currency transactions based on this, and controls it to be propagated to the blockchain holding server 100.

As such, the presenter and the presenter owning the presenter terminal 300 and the presenter terminal 400 which will be described later are in a state of being subscribed as a member managed by the electronic wallet on the blockchain-based digital virtual currency transaction guide server 200.

The donor terminal 300 generates a donor transaction request signal including the amount information of the digital cryptocurrency having a block chain to be donated and the personal information of the donor and transmits it to the digital cryptocurrency transaction guide server 200. The donor side blockchain-based digital cryptocurrency trading app 310 for guiding the designated recipient to deliver the recipient URL (A) transmitted from the digital cryptocurrency transaction guidance server 200 and transmitting the same. This is a mounted terminal member.

Here, the donor side blockchain-based digital cryptocurrency trading app 310 is an application program, which is downloaded by accessing the app store through the donor terminal 300 or the aforementioned blockchain-based digital cryptocurrency trading guide server 200. It can be directly downloaded, installed and used.

Thereafter, the donor side instant messenger of the donor terminal 300, if the donor designates a donor account of the instant messenger requesting delivery of the recipient recognition URL A through the donor designation guide screen for the presenter instant messenger, the donor account. Transmitter recognition URL (A) is transmitted to the recipient terminal 400 corresponding thereto.

Subsequently, the recipient instant messenger of the recipient terminal 400 controls the information display unit 401 to output a URL display guide screen for the recipient instant messenger, in which the transmitted recipient recognition URL A is inserted and displayed.

Subsequently, when the recipient recognition URL (A) displayed in the instant messenger side instant messenger of the beneficiary terminal 400 is clicked, the app side 410 for the beneficiary side blockchain-based digital cryptocurrency transaction is automatically executed.

The blockchain-based digital cryptocurrency trading app 410 of the beneficiary side of the automatically executed beneficiary terminal 400 generates a personal information signal for the authentication of the beneficiary including the personal information of the beneficiary receiving the digital cryptocurrency having the blockchain. This is controlled to be transmitted to the digital virtual currency transaction guide server (200).

Thereafter, when the blockchain-based digital virtual currency transaction guide server 200 transmits a personal information signal for authentication of the beneficiary from the beneficiary terminal 400, the personal information of the beneficiary included in the personal information signal for authentication of the beneficiary is included in the membership list information DB. After confirming that the donor is a member in accordance with 211, the electronic wallet list information DB (212) is deducted by the amount of the blockchain-based digital cryptocurrency amount information stored in the donor's electronic wallet information to the beneficiary, and deducted the amount. Accumulated as much as the amount of money stored in the electronic wallet information of the blockchain-based digital cryptocurrency amount information, and generates transaction information for the digital cryptocurrency transaction with the blockchain based on this, to the designated blockchain holding server 100 Will be sent.

However, what can be protected in the security or hacking of the cryptocurrency itself is only a pair of keys in the form of a 'private key-public key (address)' that can be used by the user group described above. In order to prevent hacking was devised to be made by the QR code matching method.

Here, the following QR code generation method will be described first.

Figure 3 is a block diagram showing the configuration of the QR code generation system using a smartphone application according to the prior invention, Figure 4 is a QR code generation using the QR code generation system utilizing a smartphone application according to the prior invention A flow chart showing the process.

First, a method of generating a QR code in a smartphone will be described with reference to FIGS. 3 to 4 according to Korean Patent Laid-Open Publication No. 10-2012-0105600.

The user first downloads an application provided by the service provider 10aa directly using any one of the Internet, Wi-Fi network, and mobile communication network through a computer or a smart phone, and activates the downloaded application. S10) is performed.

After downloading the application through the tenth step (S10), the user performs a customer authentication information providing step (S20) for providing customer authentication information (user data authorization) through the smart phone 20aa.

Through the user information provided through the twentieth step (S20), the service provider 10aa performs a reward service card number generation step (S30) of generating a reward service card number based on the customer authentication information.

In the thirtieth step (S30), the company generates a card number and performs a card number transmission step (S40) for transmitting the card number to the user's smart phone 20aa.

In the 40th step (S40), the user authentication data transmitted from the smart phone 20aa and the card number data transmitted from the company are encrypted and transmitted in a mutually agreed manner in order to protect from the risk of exposure and hacking.

Then, in order to receive the card number, user information is input through a card registration pop-up window (not shown) provided by the application.

In the pop-up window, enter the user name and social security number, agree to the terms and conditions (personal information collection agreement, service terms and conditions) and press the Issue button to authorize the data to the company. Press Cancel to cancel card issuance.

When the user data is authorized as above, the company generates a card number based on the user data and downloads it to the smart phone 20aa.

A QR code generation step (S50) of generating a QR code based on the downloaded data through the 40 th step (S40) is performed.

Generation of the QR code through the 50th step (S50) is stored in the barcode generation program of the encrypted card number received from the smart phone 20aa, the application generates a QR code based on the stored card number.

QR code smartphone storage step (S60) for storing the QR code generated by the application installed on the smart phone 20aa as described above to the smartphone.

QR code generated through the above steps can generally be used as a reward service card.

Reference numeral 30aa is a merchant, 40aa is a 2D barcode scanner or QR code reader, 5aa is a value-added communication network, and 60aa is a communication network.

Next, the user will newly describe a new member registration method in his smartphone.

In the new member registration method, select the name of the new issuing company, and specify the fields and terms and conditions for identity verification (name, social security number, mobile phone number, address, etc.) on a predetermined registration form upon request of the company. A pop-up window is opened, which is divided into terms and conditions for the service provider 10aa.

The user inputs the information in the corresponding space, checks the agreement box and transmits the input information in a manner determined by each other.

The smart phone transmits the information input by the user to the company, and transmits a dedicated card number to the smart phone based on the transmitted information.

In this case, the authentication data transmitted from the smart phone 20aa and the card number data transmitted from the company are encrypted and transmitted in a mutually agreed manner in order to protect them from the risk of exposure and hacking.

In general, data transmission is performed through a mobile communication network set by a user, which may be a WI-FI network, 3G, or 4G.

In addition, the communication method prescribed by the mobile communication provider shall be applied.

The encrypted card number received from the smartphone enters a barcode generation program and generates a card number as a QR code image.

The barcode image is placed along with the company image (based on the card issuer's criteria) previously selected, and the generated image is automatically stored in My Menu in the application.

In addition, the background art of the present invention is disclosed in Republic of Korea Patent Publication No. 2012-0105600 (2012.09.26. Publication, QR code generation system using a smart application and its use method).

However, if there is a fingerprint / finger vein / iris / face recognition device in the smart phone can be used for security and hacking prevention using a living body, if there is no device, such a biometric security means can not be used It was.

Moreover, there was a method of generating the QR code (and BAR code) as described above, but the technology that can be used for security and anti-hacking by matching it with virtual currency is desperately needed.

Accordingly, an object of the present invention is to create a trading method of digital cryptocurrency that transmits digital cryptocurrency in conjunction with a biometric signal, and has a transaction system for digital cryptocurrency having a blockchain between the parties through an authentication means for a virtual currency without a master. Even if the private address corresponding to the public address (Private address) and password of the private key (Private key) is lost, there is no problem in the transmission, security and hacking of the virtual currency.

And even if the device is not provided with the biometric authentication means, even if it is installed, even if not using a separate device by matching the QR code or the BAR code to the file of the virtual currency, the problem of security and hacking thereof To provide a solution that can be solved.

delete

delete

The present invention is a cryptocurrency (Crypto-Currency) transaction method without a currency issuer in a blockchain structure that collects and encrypts transmission records made in a network. First, the presenter terminal 300 is used to select a donor. A donor-side blockchain-based digital cryptocurrency trading app 310 or an app or web execution step of executing a hybrid web mounted according to the present invention (S110); The presenter terminal 300 displays the blockchain-based digital cryptocurrency transaction screen stored and managed through the donor side blockchain-based digital cryptocurrency trading app 310 through the information output unit of the donor terminal 300. An information output unit displaying step (S120) to control the; At this time, it is determined whether the donor terminal 300 is matched with an electronic cryptographic source (including a "file name" or a "node" of a virtual currency) of virtual currency and an electronic algorithm source of QR / BAR code. QR / BAR code authentication information matching determination step (S130a); Thereafter, when the donor terminal 300 is clicked on the blockchain-based digital cryptocurrency transaction screen displayed through the information output unit, the transfer menu is clicked in a state in which the amount is displayed on the screen, the instant messenger selection column, and the text input field according to the input form. Through the donor side blockchain-based digital cryptocurrency trading app 310, the amount information of the digital cryptocurrency entered on the blockchain-based digital cryptocurrency transaction screen, the selected instant messenger identification information, and the personal information of the managed donor are collected. A blockchain-based digital cryptocurrency transaction guidance server transmitting step of generating a donor transaction request signal and transmitting it to the blockchain-based digital cryptocurrency transaction guidance server 200 (S130); Thereafter, when the blockchain-based digital virtual currency transaction guide server 200 transmits a donor transaction request signal from the donor terminal 300, the member list information DB 211 includes personal information of the presenter included in the donor transaction request signal. Matching with, generates a recipient recognition URL (A) for guiding the recipient to recognize the recipient of the digital virtual currency having a blockchain after confirming the membership, and the recipient recognition URL for transmitting it to the donor terminal 300 (A) a transmission step (S140); Then, when the donor terminal 300 is sent from the blockchain-based digital cryptocurrency trading guide server 200 through the donor side blockchain-based digital cryptocurrency trading app 310, the recipient recognition URL (A), selection instant The donor side instant messenger URL display guide screen is displayed in which the presenter instant messenger corresponding to the messenger identification information is controlled to be automatically executed, and a recipient (A) is inserted into the automatically executed donor side instant messenger. Outputting a URL display guide screen for a donor side instant messenger to be controlled to be output through the step S150; Subsequently, if the donor designates the donor account of the instant messenger requesting the delivery of the recipient recognition URL (A) through the donor terminal instant messenger through the presenter designation guide screen for the presenter instant messenger, the donor account. A recipient recognition URL (A) transmission step (S160) of transmitting a recipient recognition URL (A) to the recipient terminal 400 corresponding thereto; Thereafter, the recipient terminal 400 controls the URL of the recipient side instant messenger controlling the output of the URL display guide screen for the recipient side instant messenger, in which the recipient recognition URL A transmitted through the recipient side instant messenger is displayed. Display guide screen output step (S170); At this time, when the recipient terminal 400 clicks on the recipient recognition URL (A) displayed on the instant messenger side of the recipient, the app auto-launch step of automatically executing the blockchain-based digital cryptocurrency transaction app 410 in connection with this is performed. (S180); is a digital virtual currency transmission method for transmitting by matching the digital cryptocurrency characterized in that it comprises a QR (or BAR) code.

And, in the present invention, the beneficiary terminal 400 includes the personal information of the beneficiary receiving the digital cryptocurrency having a block chain through the app side 410 for the automatically executed network of the blockchain-based digital cryptocurrency A digital virtual currency transaction guide server 200 for generating a new personal information signal for authentication and transmitting it to the digital virtual currency transaction guide server 200 (S190); Thereafter, when the blockchain-based digital virtual currency transaction guide server 200 transmits the personal information signal for the authentication of the beneficiary from the beneficiary terminal 400, the personal information of the beneficiary included in the personal information signal for the authenticator authentication is included in the membership list information DB. After confirming that the donor is a member in accordance with 211, the electronic wallet list information DB (212) is deducted by the amount of the blockchain-based digital cryptocurrency amount information stored in the donor's electronic wallet information to the beneficiary, and deducted the amount. Accumulate the amount of the digital money in the blockchain-based digital cryptocurrency information stored in the electronic wallet information of the beneficiary, and generate transaction information for the digital cryptocurrency transaction with the blockchain on the basis of this information and transmit it to the designated blockchain holding servers 100. Transmitting transaction information for digital virtual currency transactions (S200); Thereafter, the blockchain-based digital cryptocurrency transaction guidance server 200 includes an electronic cryptographic source (including a "file name" or a "node" of a virtual currency) and a QR / BAR code of an electronic cryptographic source of a virtual currency. Determining whether there is a request for converting the donor of the virtual currency matched with the QR / BAR code to the recipient by using the authentication signal of the QR / BAR code, and converting the information of the donor-verifier to the QR / BAR code authentication information (S210a); Then, when the designated individual blockchain holding server 100 is transmitted transaction information for the digital cryptocurrency transaction having a blockchain, the blockchain-based digital through verifying the transaction information for the digital cryptocurrency transaction having the transmitted blockchain Authenticating a virtual currency transaction and recording transaction information for a digital cryptocurrency transaction having a blockchain according to the authentication, thereby performing a transaction authentication step (S210); It is a digital cryptocurrency transmission method that matches QR (or BAR) codes and transmits them.

In addition, the present invention is a digital cryptocurrency transmission method for transmitting digital virtual currency by matching QR (or BAR) code, first, the communication terminal 30 according to the request for subscription service subscription request of the wireless communication service subscribers communication management And a subscription application step of applying for a payment service subscription to the payment management system 130 (S311); Subsequently, the communication management and payment management system 130 determines whether or not the beneficiary terminal of the payment service subscription applicant is registered in advance, and if not registered in advance, determines whether or not to register the beneficiary terminal registration to terminate the payment service subscription procedure (S312, S313). ); And, if the communication terminal and the payment management system 130 is registered in advance to the receiver terminal 30, the billing service subscription applicant to the payment management database 135 based on the personal information created in the receiver terminal 30 A payment service subscriber file generation step (S314) of generating a payment service subscriber file; Next, the communication management and payment management system 130 generates QR (or BAR) code information and transmits the QR (or BAR) code to the recipient terminal 30 through the SMS network 140, and transmitting step (S315, S316); Next, the receiver terminal 30 receives and stores QR (or BAR) code information through the SMS network 140 and stores it in a memory (S321, S322); And, the QR (or BAR) code information display step (S323, S326) to display the QR (or BAR) code information stored in the memory on the display device when the receiver terminal 30 is selected in the payment mode; Next, the communication management and payment management system 130 checks whether there is a request to change the QR (or BAR) code of the donor to the QR (or BAR) code of the donor in the cryptocurrency transaction procedure at the donor terminal. A communication service and payment method execution step (S328, S329) which is subjected to a procedure of receiving and authenticating a change approval message from the beneficiary terminal 30 as an indication of receipt of receipt from the beneficiary terminal 30; Thereafter, the presenter terminal completes the QR (or BAR) code of the presenter holding the QR (or BAR) code of the presenter completes the QR (BAR) code change completion step (S330); digital cryptocurrency comprising a Is a transmission method of digital virtual currency that matches the QR (or BAR) code and transmits.

As described above, the present invention creates a trading method of digital cryptocurrency that transmits digital cryptocurrency in conjunction with a biometric signal, and the digital cryptocurrency trading system having a blockchain between the parties through the authentication means for the virtual currency without the owner Even if the private address of the public address (Private address) and password (Private key) is lost, there is an effect that can prevent the transmission, security and hacking of the virtual currency.

And even if the device is not provided with the biometric authentication means, even if it is installed, even without using a separate biometric device only by matching the QR code or BAR code to the file of the virtual currency, the security and hacking of the The effect is to solve the problem.

1 is an overall configuration diagram showing a trading system of a digital virtual currency having a blockchain between the parties of the prior invention,
2 is a block diagram showing a DB unit mounted on a blockchain-based digital virtual currency transaction guide server among the components constituting a transaction system for a digital virtual currency having a blockchain between the parties of the present invention;
Figure 3 is a block diagram showing the configuration of a QR code generation system utilizing a smartphone application according to the prior invention.
4 is a flowchart illustrating a process of generating a QR code using a QR code generation system utilizing a smartphone application according to the related art.
FIG. 6 is a block diagram illustrating a transaction process of a digital cryptocurrency having a blockchain between the parties using a trading system of a digital cryptocurrency having a blockchain between the parties.
8 is a block diagram showing a transaction process of a digital cryptocurrency having a blockchain between the parties using a trading system of digital cryptocurrencies having a blockchain between the parties of the present invention.
10 is a block diagram illustrating a transaction process of a digital cryptocurrency having a blockchain between the parties using a trading system of a digital cryptocurrency having a blockchain between the parties of the present invention.
11 is a flowchart illustrating a transaction process of a digital cryptocurrency having a blockchain between the parties using a trading system of digital cryptocurrencies having a blockchain between the parties.
12 is a schematic configuration diagram of a system for executing a communication service and a payment method using a recipient (wireless communication) terminal according to the present invention.
FIG. 13 is a flowchart illustrating the payment service subscription step of FIG. 12 in more detail.
FIG. 14 is a flowchart illustrating the payment means providing step of FIG. 12 in more detail.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily understand and reproduce the present invention.

The term "or" may include the meaning of use together with the meaning of each use, so that the term sometimes includes the concept of "or / and".

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to FIG. 6.

FIG. 6 is a block diagram illustrating a transaction process of a digital cryptocurrency having a blockchain between the parties using a trading system of digital cryptocurrencies having a blockchain between the parties of the present invention.

delete

The overall matching program 340a in the block diagram showing the transaction process of the digital cryptocurrency having a block chain between the parties using the transaction system of the digital cryptocurrency having a blockchain between the parties of the present invention in FIG. The electronic cryptographic source 316 provided in the first file 315a (the basic unit of encrypted currency), which is the basic unit of the associated cryptocurrency, is converted in the overall matching program 340a, and the fingerprint / arrhythmic algorithm 415 The electronic algorithm source 416 provided at is transformed in the overall matching program 340a, so that they can be fused by the matching program 344 so that they can be traded as a basic unit of transmission.

Reference numerals 315b and 315c indicate the number of second and third files of the virtual currency following the first file which is the basic unit of the virtual currency.

Of course, in order to transmit a large amount it is desirable to produce and operate a program of the batch payment method.

The following describes a technology for matching virtual currency with iris / face authentication information using a digital cryptocurrency trading system.

8 is a block diagram showing a transaction process of a digital cryptocurrency having a blockchain between the parties using a trading system of digital cryptocurrencies having a blockchain between the parties of the present invention.

delete

The overall matching program 340a in the block diagram showing the transaction process of the digital cryptocurrency having a block chain between the parties using the transaction system of the digital cryptocurrency having a blockchain between the parties of the present invention in FIG. The electronic cryptographic source 316 provided in the first file 315a (the basic unit of encrypted currency), which is the basic unit of the associated cryptocurrency, is converted in the overall matching program 340a, and in the iris / face algorithm 415b. The provided electronic algorithm source 416 is converted in the overall matching program 340a so that they can be fused by the matching program 344 so that they can be traded as the basic unit of transmission.

Reference numerals 315b and 315c indicate the number of second and third files of the virtual currency following the first file which is the basic unit of the virtual currency.

Of course, in order to transmit a large amount it is desirable to produce and operate a program of the batch payment method.

Hereinafter, an embodiment of the present invention will be described in detail with reference to the attached 10.

10 is a block diagram showing a transaction process of a digital cryptocurrency having a blockchain between the parties by using a trading system of digital cryptocurrencies having a blockchain between the parties of the present invention, and FIG. A flow chart showing a transaction process of a digital cryptocurrency having a blockchain between the parties using a trading system of a digital cryptocurrency having a blockchain.

delete

The overall matching program 340a in the block diagram showing a transaction process of a digital cryptocurrency having a blockchain between the parties using the transaction system of the digital cryptocurrency having a blockchain between the parties of the present invention in FIG. The electronic cryptographic source 316 provided in the first file 315a (the basic unit of encrypted currency), which is the basic unit of the associated cryptocurrency, is converted in the overall matching program 340a, and the QR / BAR code algorithm 415C is used. The electronic algorithm source 416 provided at is transformed in the overall matching program 340a, so that they can be fused by the matching program 344 so that they can be traded as a basic unit of transmission.

Reference numerals 315b and 315c indicate the number of second and third files of the virtual currency following the first file which is the basic unit of the virtual currency.

In the signal conversion method as described above, signal information formed by binary data determined according to whether pixel patterns of QR / BAR codes are distinguished from each other may be fused to each other by a conversion device to generate a new signal.

Of course, in order to transmit a large amount it is desirable to produce and operate a program of the batch payment method.

In FIG. 11, since the same matters as the procedure shown in the conventional transmission method are used as it is, it is described as an essential component of the present invention.

In the code display, the same reference numerals as those in the prior art are used.

First, when the donor terminal 300 executes the donor side blockchain-based digital cryptocurrency trading app 310 mounted according to the donor's selection (S110), the executed donor side blockchain-based digital cryptocurrency trading app. The control unit 310 controls the blockchain-based digital cryptocurrency transaction screen that is stored and managed to be output (S120) through the information output unit of the donor terminal 300.

At this time, to prevent exposure of all information, whether the electronic cryptographic source (including the "file name" or the "node" of the virtual currency in which the virtual currency is formed) and the electronic algorithm source of the QR / BAR code are matched. It is required by the QR / BAR code authentication means, where it is determined whether the virtual currency and QR / BAR code authentication information is matched (S130a).

If the above conditions are not satisfied, the transaction is ended, and then, the donor terminal 300 displays the amount of money, instant messenger selection, and text input on the blockchain-based digital cryptocurrency transaction screen displayed through the information output unit. When the transfer menu is clicked in the input form according to the input form, the amount information of the digital cryptocurrency entered on the blockchain-based digital cryptocurrency transaction screen through the donor side blockchain-based digital cryptocurrency trading app 310 is selected. Collecting the IM identification information and the personal information of the donor stored and managed to generate a donor transaction request signal and transmits it to the blockchain-based digital cryptocurrency transaction guide server 200 (S130).

Thereafter, when the blockchain-based digital virtual currency transaction guide server 200 transmits a donor transaction request signal from the donor terminal 300, the member list information DB 211 includes personal information of the presenter included in the donor transaction request signal. Matching with, generates a recipient recognition URL (A) for guiding the recipient to recognize the recipient of the digital virtual currency having a blockchain after confirming the membership, and transmits it to the donor terminal (300) (S140).

Thereafter, when the donor terminal 300 transmits a recipient recognition URL (A) from the blockchain-based digital cryptocurrency transaction guide server 200 through the donor side blockchain-based digital cryptocurrency trading app 310, an IM is selected. The donor-side instant messenger URL display guide screen, in which the donor recognition instant messenger corresponding to the identification information is controlled to be automatically executed, is displayed with the recipient's URL (A) inserted in the automatically executed donor-side instant messenger. Control to output (S150).

Subsequently, the presenter terminal 300, if the presenter specifies the recipient account of the instant messenger requesting the delivery of the recipient recognition URL (A) through the presenter instant messenger through the presenter designation guide screen for the presenter instant messenger, the donor Sender identification URL (A) to the recipient terminal 400 corresponding to the account (S160).

Thereafter, the recipient terminal 400 controls the recipient's URL display guide screen on which the recipient A's URL is inserted and displayed through the information output unit 401 (S170). do.

Thereafter, when the recipient terminal 400 clicks on the recipient recognition URL (A) displayed on the recipient's instant messenger, the donor side blockchain-based digital cryptocurrency transaction app 410 is automatically executed in operation S180. .

The beneficiary terminal 400 generates a personal information signal for the authentication of the beneficiary including the personal information of the beneficiary receiving the digital cryptocurrency having the block chain through the automatically executed donor side blockchain-based digital cryptocurrency trading app 410. And it is controlled to be transmitted to the digital virtual currency transaction guide server (200) (S190).

Thereafter, when the blockchain-based digital virtual currency transaction guide server 200 transmits a personal information signal for authentication of the beneficiary from the beneficiary terminal 400, the personal information of the beneficiary included in the personal information signal for authentication of the beneficiary is included in the membership list information DB. After confirming that the donor is a member in accordance with 211, the electronic wallet list information DB (212) is deducted by the amount of the blockchain-based digital cryptocurrency amount information stored in the donor's electronic wallet information to the beneficiary, and deducted the amount. Accumulated as much as the amount of money stored in the electronic wallet information of the blockchain-based digital cryptocurrency amount information, and generates transaction information for the digital cryptocurrency transaction with the blockchain based on this, to the designated blockchain holding server 100 Transmission (S200).

At this time, the blockchain-based digital cryptocurrency transaction guidance server 200 includes an electronic cryptographic source (including a "file name" or a "node" of a virtual currency) and a QR / BAR code of an electronic cryptographic source of virtual currency. Determine whether there is a request for converting the donor of the matched cryptocurrency into a beneficiary according to the authentication signal of the QR / BAR code, and performing the QR / BAR code authentication information conversion step (S210a) of the donor-donor converting its information. do.

Thereafter, the designated individual blockchain holding server 100 transmits the transaction information for the digital cryptocurrency transaction having the blockchain, and checks the transaction information for the digital cryptocurrency transaction having the transmitted blockchain through the blockchain-based digital. By authenticating the virtual currency transaction and recording transaction information for the digital virtual currency transaction having a blockchain according to the authentication (S210), the transaction is authenticated.

Thereafter, the blockchain-based digital virtual currency transaction guide server 200 transmits a message to the donor terminal 300 that the digital currency with the blockchain is paid to the donor.

Thereafter, the donor terminal 300, when a message is transmitted from the blockchain-based digital cryptocurrency transaction guide server 200 through the donor side blockchain-based digital cryptocurrency trading app 310, the presenter corresponding to the selected IM identification information In a state in which the instant messenger is controlled to be executed automatically, the payment confirmation guide screen for the donor side instant messenger in which a message is inserted into the automatically executed donor side instant messenger is displayed through the information output unit.

In addition, the beneficiary terminal 400, when a message is transmitted from the blockchain-based digital cryptocurrency transaction guide server 200 through the beneficiary blockchain-based digital cryptocurrency trading app 410, the instantaneous instant messenger is automatically executed. In the controlled state, the cumulative storage guide screen for the instant messenger-side instant messenger in which the message is inserted into the automatically executed instant messenger-side instant messenger is output through the information output unit.

Another Bitcoin (similar to virtual currency) trading method, Bitcoin (Crypto-Currency), which is a cryptocurrency without a currency issuer, with a blockchain structure that collects and encrypts transmission records made on a network. In the trading method of the same concept as a currency, a program mounted on a computer constituting a bitcoin network (the same concept as a virtual currency) is executed to authenticate the transaction of bitcoin (the same concept as a virtual currency) while Mining and acquiring the same concept as the virtual currency; A program executed by a computer.The cryptocurrency exchange is used to trade Bitcoin (the same concept as virtual currency) obtained by mining and purchasing for the trading of bitcoin (the same concept as virtual currency) by executing a program loaded on the computer. Generating a member's exchange web wallet address on a cryptocurrency exchange server by executing a member server equipped with a program provided by the server or a program mounted on the member computer; Bitcoin (concept similar to virtual currency) transactions through a cryptocurrency exchange server with a database (DB) that stores the transaction history of Bitcoin (same concept as virtual currency) traded by executing a program loaded on the member server or member computer Generating an address of an exchange general wallet for the cryptocurrency exchange server; And generating an exchange address of a member stored in a cryptocurrency exchange server to execute bitcoin (same concept as a virtual currency) by executing a program mounted on a member server or a member computer.

At this time, before transmitting bitcoin (same concept as virtual currency), the biometric authentication of the donor side is required by the QR / BAR code authentication means for identity verification, and here, determining whether the QR / BAR code authentication has been performed; At this time, the QR / BAR code authentication means checks whether the electronic cryptographic source of the virtual currency (including the "file name" or the "node" of the virtual currency) and the QR / BAR KOEM electronic algorithm source of the virtual currency are matched. It is required by, wherein determining whether the virtual currency and QR / Bar code authentication information match; It is created on the cryptocurrency exchange server at the member's exchange web wallet address created on the cryptocurrency exchange server in order to quickly process Bitcoin (similar to virtual currency) transactions by executing a program loaded on the member server or member computer. Transmitting bitcoin (same concept as virtual currency) to the exchange general wallet address; With the program loaded on the cryptocurrency exchange server running, the transfer of bitcoin (same concept as virtual currency) is transferred from the member's own exchange web wallet address created on the cryptocurrency exchange server to the general wallet address created on the exchange server. Identifying.

At this time, when it is confirmed that the transmission of bitcoin (the same concept as virtual currency) has been performed, the program installed in the cryptocurrency exchange server is executed to store the member's exchange address, not actual bitcoin (the same concept as virtual currency). Depositing bitcoin (same concept as virtual currency) by changing a numerical value on a database mounted on a cryptocurrency exchange server; And offsetting the prepaid portion without depositing the member's database when the transaction of the bitcoin (the same concept as the virtual currency) is completed due to the numerical change on the database mounted on the cryptocurrency exchange server. Same concept as money).

At this time, if necessary, the cryptocurrency donor matched with the electronic cryptographic source of the virtual currency (including the "file name" or the "node" of the virtual currency in which the virtual currency is formed) and the electronic algorithm source of the QR / BAR code is provided. The authentication signal of the code determines whether there is a request to convert to the recipient, and the QR-BAR COEM authentication information conversion step of the donor-donor converting the information can be performed.

The following describes a method of applying a QR code applied to the system or method of the present invention.

12 is a schematic configuration diagram of a system for executing a communication service and a payment method using a beneficiary (wireless communication) terminal according to the present invention, and FIG. 13 is a view for explaining the payment service subscription step in FIG. 12 in more detail. FIG. 14 is a flowchart for explaining the payment means providing step of FIG. 12 in more detail.

The present invention relates to a communication service and a payment method using a beneficiary (wireless communication) terminal, the communication management and payment management system transmitting a QR (BAR) code to the beneficiary (wireless communication) terminal of the payment service subscriber, and Storing the QR (BAR) code by a beneficiary (wireless communication) terminal and displaying a QR (BAR) code according to a payment service subscriber's selection; and displaying a QR (BAR) code displayed on the beneficiary (wireless communication) terminal. Log-in app while maintaining security by unifying the work of telecommunications operators and purchase and sales operators, including the steps of reading QR (BAR) code lookup and inquiring to the communication management and payment management system. By doing so, there is an effect that can prevent the illegal use of others.

12 is a schematic configuration diagram of a system for executing a communication service and a payment method using a beneficiary (wireless communication) terminal according to the present invention, which includes a beneficiary terminal 30, a QR (BAR) code query device 120, and Including a communication management and payment management system 130, the receiver terminal 30 and the communication management and payment management system 130 are connected to each other via a wireless communication network 140, QR (BAR) code query ( 120 and the communication management and payment management system 130 are connected to each other through a wired / wireless communication network.

The payment method refers to a financial transaction payment method using a QR (BAR) code (hereinafter, the same)

The communication management and payment management system 130 of the present invention is a unique QR (BAR) of the payment service subscriber to the receiver terminal 30 of the payment service subscriber through the wireless communication network 140, preferably, a SMS network (Shot Message Service network). By transmitting the code, and performing a communication service or payment service based on the QR (BAR) code input from the QR (BAR) code query machine 120, and the server 131 of the communication service and payment management system It is configured to include a communication service database 133 or payment service database 135 connected thereto.

The server 131 of the communication management and payment management system includes an operation program for operating the communication management and payment management system 130, and the communication service database 133 includes various data for managing a wireless communication service subscriber. Is stored, and the payment service database 135 stores various data for managing a payment service subscriber.

The receiver terminal 30 receives a QR (BAR) code transmitted from the communication management and payment management system 130 and stores it in a designated memory, and displays a QR (BAR) code stored in the memory when a payment mode is selected. Is displayed on the screen.

In addition, the QR (BAR) code inquiry machine 120 reads the QR (BAR) code displayed on the display device of the receiver terminal 30 as described above to query and payment to the communication management and payment management system 30 It is supposed to make a request.

The operation and effects of a communication service and a payment method using a beneficiary (wireless communication) terminal according to the present invention executed in the system configured as described above will be described in detail.

First, as shown in the drawing, as a payment service subscription request step, the receiver terminal 30 applies for wireless communication service subscription to the communication management and payment management system 130 according to the payment service subscription request request of the wireless communication service subscribers. (S311) At this time, the subscriber of the wireless communication service prepares various personal information including a telephone number and credit information of the beneficiary (wireless communication) terminal and applies for subscription to the payment service.

Subsequently, as a step of determining whether to register a beneficiary terminal, the communication management and payment management system 130 determines whether the beneficiary terminal 30 of the payment service subscription applicant is registered in advance and terminates the payment service subscription procedure if not already registered. (S312, S313)

Then, as a payment service subscriber file generation step, the communication management and payment management system 130, if the recipient terminal 30 is registered in advance, the personal information created in the recipient terminal 30 by the payment service subscription applicant; Based on the payment management database 135 generates a payment service subscriber file (S314).

Then, as a QR (BAR) code generation and transmission step, the communication management and payment management system 130 generates QR (BAR) code information and transmits to the receiver terminal 30 through the SMS network 140. (S315, S316)

Next, as shown in the drawing as a payment means providing step, receiving and storing QR (BAR) code information, the receiver terminal 30 receives the QR (BAR) code information through the SMS network 140 Store in memory (S321, S322).

Subsequently, as a password input step, when the QR terminal (payment) mode is selected by an operation of a payment service subscriber, the receiver terminal 30 displays a message for inputting a password on the display device (S323).

Then, as a password input step, the payment service subscriber enters a password by operating the receiver terminal 30. (S324 to S325).

In this case, the password is registered by the payment service subscriber in advance in the receiver terminal 30, if the password does not match each other, the receiver terminal 30 does not display the QR (BAR) code information and the password does not match Display warning (S327)

In the QR (BAR) code information display step, if the password is matched, the receiver terminal 30 displays the QR (BAR) code information stored in the memory on the display device (S326).

Here, in the case of financial settlement on-line and off-line during a financial transaction, a simple settlement may be made by the QR (BAR) code.

Then, as a QR (BAR) code inquiry step, when the QR (BAR) code information stored in the memory in the QR (BAR) code information display step is displayed on the display device, the QR (BAR) in the receiver terminal 30 The code query unit 120 may read the displayed QR (BAR) code information to query the communication management and payment management system (130) QR (BAR) code.

Next, as a communication service and payment method execution step, the communication management and payment management system 130 changes the QR (BAR) code of the donor to the QR (BAR) code of the donor in the cryptocurrency transaction procedure at the donor terminal. After checking whether there is a request, and receiving a change approval message from the recipient terminal as an indication that the certificate has been received, the procedure for authenticating it is performed.

Thereafter, the donor terminal undergoes a step (S330) of completing the change of the QR (BAR) code of the donor holding to the QR (BAR) code of the donor.

Although the present invention has been described with reference to the embodiments shown in the drawings, this is merely exemplary, and those skilled in the art to which the art belongs can make various modifications and other equivalent embodiments therefrom. Will understand.

120: QR (BAR) code inquiry machine
130: communication management and payment management system
135: database
140: wireless communication network
300: presenter terminal
400: Receiver terminal

Claims (5)

delete delete In the method of trading Crypto-Currency without the issuer of money with a blockchain structure that collects and encrypts transmission records made in a network,
First, the donor terminal 300 is an app or a web execution step (S110) of executing a donor side blockchain-based digital cryptocurrency trading app 310 or a hybrid web mounted according to a donor's selection;
The presenter terminal 300 displays the blockchain-based digital cryptocurrency transaction screen stored and managed through the donor side blockchain-based digital cryptocurrency trading app 310 through the information output unit of the donor terminal 300. An information output unit displaying step (S120) to control the;
At this time, it is determined whether the donor terminal 300 is matched with an electronic cryptographic source (including a "file name" or a "node" of a virtual currency) of virtual currency and an electronic algorithm source of QR / BAR code. QR / BAR code authentication information matching determination step (S130a);
Thereafter, when the donor terminal 300 is clicked on the blockchain-based digital cryptocurrency transaction screen displayed through the information output unit, the transfer menu is clicked in a state in which the amount is displayed on the screen, the instant messenger selection column, and the text input field according to the input form. Through the donor side blockchain-based digital cryptocurrency trading app 310, the amount information of the digital cryptocurrency entered on the blockchain-based digital cryptocurrency transaction screen, the selected instant messenger identification information, and the personal information of the managed donor are collected. A blockchain-based digital cryptocurrency transaction guidance server transmitting step of generating a donor transaction request signal and transmitting it to the blockchain-based digital cryptocurrency transaction guidance server 200 (S130);
Thereafter, when the blockchain-based digital virtual currency transaction guide server 200 transmits a donor transaction request signal from the donor terminal 300, the member list information DB 211 includes personal information of the presenter included in the donor transaction request signal. Matching with, generates a recipient recognition URL (A) for guiding the recipient to recognize the recipient of the digital virtual currency having a blockchain after confirming the membership, and the recipient recognition URL for transmitting it to the donor terminal 300 (A) a transmission step (S140);
Then, when the donor terminal 300 is sent from the blockchain-based digital cryptocurrency trading guide server 200 through the donor side blockchain-based digital cryptocurrency trading app 310, the recipient recognition URL (A), selection instant The presenter side instant messenger URL display guide screen is displayed in which the donor recognition instant messenger corresponding to the messenger identification information is controlled to be executed automatically. A step of outputting a URL display guide screen for a donor side instant messenger to be controlled to be output through the step S150;
Subsequently, when the donor terminal 300 designates a donor account of an instant messenger requesting delivery of a recipient recognition URL (A) through a donor side instant messenger through a donor designation guide screen for a presenter instant messenger, the donor A recipient recognition URL (A) transmission step (S160) of transmitting a recipient recognition URL (A) to the recipient terminal 400 corresponding to the account;
Thereafter, the recipient terminal 400 is a URL for the recipient side instant messenger which controls the recipient's URL display guide screen inserted with the recipient recognition URL (A) transmitted through the recipient side instant messenger to be output through the information output unit. Display guide screen output step (S170);
At this time, when the recipient terminal 400 clicks on the recipient recognition URL (A) displayed on the recipient's instant messenger, the app auto-launch step of automatically executing the app provider's blockchain-based digital cryptocurrency transaction app 410 in association with this is performed. (S180);
The beneficiary terminal 400 automatically receives the personal information signal for the authentication of the beneficiary including the personal information of the beneficiary receiving the digital cryptocurrency having the blockchain through the blockchain-based digital cryptocurrency trading app 410. Generating and transmitting the digital virtual currency transaction guide server 200 to the digital virtual currency transaction guide server 200 (S190);
Thereafter, when the blockchain-based digital virtual currency transaction guide server 200 transmits the personal information signal for authentication of the beneficiary from the beneficiary terminal 400, the personal information of the beneficiary included in the personal information signal for authentication of the beneficiary is included in the membership list information DB. After confirming that the donor is a member in accordance with 211, the electronic wallet list information DB 212 subtracts the amount of money to be given to the beneficiary from the blockchain-based digital cryptocurrency amount information stored in the donor's electronic wallet information. Accumulated as much as the amount of money stored in the electronic wallet information of the blockchain-based digital cryptocurrency amount information, and generates transaction information for digital cryptocurrency transactions with the blockchain based on this information and transmits it to the designated blockchain holding server (100) Transmitting transaction information for digital virtual currency transactions (S200);
Thereafter, the blockchain-based digital cryptocurrency transaction guidance server 200 includes an electronic cryptographic source (including a "file name" or a "node" of a virtual currency) and a QR / BAR code of an electronic cryptographic source of the virtual currency. Determining whether there is a request for converting the donor of the matched cryptocurrency into the receiver by the authentication signal of the QR / BAR code, and converting the information of the donor-donor in the QR / BAR code authentication information conversion step (S210a);
Thereafter, when the designated individual blockchain holding server 100 transmits the transaction information for the digital cryptocurrency transaction having the blockchain, the blockchain-based digital through the verification of the transaction information for the digital cryptocurrency transaction having the transmitted blockchain. A transaction authentication step (S210) of authenticating a virtual currency transaction and performing transaction authentication by recording transaction information for a digital virtual currency transaction having a blockchain according to the authentication;
Digital virtual currency transmission method for transmitting the digital virtual currency, characterized in that it comprises a match with a QR (or BAR) code.
delete As a digital cryptocurrency transmission method of transmitting digital cryptocurrency by matching QR (or BAR) code,
First, the subscription terminal step (S311) for applying the payment service subscription to the communication management and payment management system 130 according to the request for subscription service subscription of the wireless communication service subscriber;
Subsequently, the communication management and payment management system 130 determines whether or not the beneficiary terminal of the payment service subscription applicant is registered in advance, and if not registered in advance, determines whether or not to register the beneficiary terminal registration to terminate the payment service subscription procedure (S312, S313). );
And, if the communication terminal and the payment management system 130 is registered in advance to the receiver terminal 30, the billing service subscription applicant to the payment management database 135 based on the personal information created in the receiver terminal 30 A payment service subscriber file generation step (S314) of generating a payment service subscriber file;
Next, the communication management and payment management system 130 generates QR (or BAR) code information and transmits the QR (or BAR) code to the recipient terminal 30 through the SMS network 140, and transmitting step (S315, S316);
Next, the receiver terminal 30 receives and stores QR (or BAR) code information through the SMS network 140 and stores it in memory (S321, S322);
And, the QR (or BAR) code information display step (S323, S326) to display the QR (or BAR) code information stored in the memory on the display device when the receiver terminal 30 is selected in the payment mode;
Next, the communication management and payment management system 130 checks whether there is a request to change the QR (or BAR) code of the donor to the QR (or BAR) code of the donor in the cryptocurrency transaction procedure at the donor terminal. A communication service and payment method execution step (S328, S329) which is subjected to a procedure of receiving and authenticating a change approval message with the intention indication received from the beneficiary terminal 30;
Thereafter, the presenter terminal comprises a QR (or BAR) code change completion step (S330) that completes the change of the QR (or BAR) code of the donor holding to the QR (or BAR) code of the donor holding. The transmission method of digital virtual currency that matches the QR (or BAR) code and transmits.

Images