KR102094101B1 - Interlocked digital currency system and method thereof, Payment system between electronic wallets interlocked to the dedicated digital currency, and method thereof - Google Patents

Abstract

The present invention relates to a linked digital currency system, a payment system between electronic wallets linked to a dedicated digital currency, and a method thereof. The linked digital currency system comprises: an operation management unit; at least one electronic wallet for a user to perform an issuing or a charging request of a linked digital currency executed by a user terminal connected to the operation management unit by a communication means, and use the charged linked digital currency to carry out a commercial transaction; and at least one electronic wallet for a member store which is executed by a member store terminal connected to the operation management unit and the user terminal by a communication means, charges the linked digital currency in the electronic wallet for a user, and carries out a commercial transaction with the electronic wallet for a user with the linked digital currency. A commercial transaction using the linked digital currency is carried out by the electronic wallet for a user and the electronic wallet for a member store without intervention of the operation management unit, and recognizes unique identification information of the electronic wallet for a user and the electronic wallet for a member store. The electronic wallet for a member store recognizes unique identification information of the linked digital currency paid by the electronic wallet for a user, and a payment process is completed if an error does not occur under linkage of the unique identification information of the electronic wallets and the unique identification of the linked digital currency.

Description

Interlocked digital currency system and method, inter-wallet payment system and method interlocked with dedicated digital currency

The present invention relates to an interlocking digital money system and a method thereof, an electronic wallet payment system interworking with a dedicated digital currency, and a method therefor. More specifically, the legal currency and the digital currency with a 1: 1 value are the general digital currency that can be used in all affiliated stores, and the dedicated digital currency that can be used in a particular affiliated store or for a specific purpose. , Digital currency issuance, disposal, currency exchange, and security are handled by the centralized operating computer, and distribution of digital money is centralized, operating computer and decentralized, respectively, in the electronic wallet of the merchant terminal, and digital currency The payment is decentralized, and there is no error due to the interlocking of digital wallets between the two electronic wallets, e-wallet and e-wallet by the functions of the terminal, user and merchant, user and sales user, merchant and merchant. Interlocked digital money system and its method to be processed, e-wallet interlocked with dedicated digital money It relates to the system.

Unlike digital currency, which is represented by cryptocurrency (virtual) currency, electronic money, etc., it can be viewed as an intangible currency that is stored or displayed on electronic devices and used on / offline. Cryptocurrency (virtual) currency decentralized payment method based on blockchain technology has the advantage of guaranteeing anonymity, but the more transactions, the longer the payment time, the greater the user fee, and the more each participating node (computer). Commercialization is difficult due to the reduced rewards. The centralized payment method of electronic money such as banks or credit card companies based on a central server has the advantage of being relatively safe and fast, but it is difficult to guarantee anonymity and all users' transaction data remains on the central server, and an expensive payment payment fee to users There are disadvantages that occur, and the operator has a large cost for maintenance and management such as a payment and security system, and electronic money is used only for payment and does not function in itself.

The invention of the original electronic money system of the Japanese patent application publication no.

The disclosed invention is an exchange rate / currency unit setting means for setting a conversion rate, which is a conversion rate, in order to change a currency unit of a reference electronic currency having a general currency unit into its own currency unit, and an original having the exchange rate and its own currency unit It is equipped with an electronic money issuing unit for issuing electronic money, and electronic money program information including identification information for identifying the original electronic money, issuing original electronic money having an arbitrarily configurable exchange rate and its own currency unit, and web With the configuration that enables commerce on the site, each website or its users can issue electronic money with their own currency units and video information, and promote the activation of e-commerce by using the electronic money. It is an invention.

The disclosed invention is an invention in which the issuer of the electronic money is issued in its own currency unit, but conducts commerce by applying a conversion ratio with the standard currency unit. It is a long-standing, centralized type of publication, distribution and use.

In addition, a system for issuing and operating cards and electronic money that is used for payment and settlement using a virtual account of Korean Patent No. 10-0468479 (Registration Date: January 19, 2005) has been disclosed.

The patent invention, the user's card / electronic money issuing request and the charge for the card / electronic money is transmitted to the issuer server through a wired or wireless communication network; The issuing server, issuing the card / electronic money for the user, generating a virtual account associated with the card / electronic money for the user and charging the remittance as cash in the virtual account; As the user purchases goods / services from the affiliated store of the issuer server using the card / electronic money, a request for payment of payment and payment to the issuer server is transmitted from the terminal of the affiliated store to the issuer server; The issuer server pays as the purchase price by subtracting a predetermined amount of money for the merchant from the cash charged in the virtual account, but the user's purchase is made to the virtual account of the user or the bank account of the user. It comprises a step of paying the amount of money corresponding to a predetermined point, margin, mileage, and bonus as cash, and summing the amount of the settlement payment to the remaining amount of the virtual account to be converted into principal.

The patent invention is a configuration in which a user charges electronic money with cash, purchases a product at an affiliate store with electronic money, and accumulates mileage according to the product purchase to the user. As it does, it is only a means for multi-level commerce, and there is a limit in solving the above-mentioned problems of digital currency.

In consideration of these problems, the Korean patent application number 10-2018-0065799 filed by the applicant of the present application (application date: 2018.06.08.) Is an electronic wallet system for digital money and digital money issuing, distribution, and use systems, and The invention of the method has been patented.

The application invention, the digital currency having the same amount of money units in the market circulation; The main user who issues digital money is an investor, and can select and determine the amount of digital money issued by the general user himself, thereby maximizing the profits from issuance and distribution of digital money. Digital currency issuance, distribution and use systems that can benefit from the distribution of digital money within the scope of the credit limit, and can benefit from the use of digital money, and issuers of digital money for this, credit users of digital money And an electronic wallet system for each subject of a product seller (merchant).

However, the invention of the application is a method of displaying digital money on the user's electronic wallet on the operator's computer as the subject of issuance, distribution, and use of digital money is central to the operating computer. There is a problem that is not interlocked with itself and is formed through an operating computer.

Therefore, the issuance, disposal, exchange, and security of digital currency with a value specified in 1: 1 with the legal currency are handled by the centralized type operating computer, and the distribution of digital money is centralized type and decentralized type with the operating computer. Each of the electronic wallets of the merchant terminal is made, and the payment of digital money is decentralized, and the two targets are the target terminal, the user and the merchant, the user and the selling user, the electronic wallet and the electronic wallet by the own functions of the merchant and the affiliate. There is a need for an invention in which payment and security systems that are processed when there are no errors according to interlocking digital currency between and between are low incurred cost and guaranteed transaction anonymity. In addition, by issuing a dedicated digital currency that can be used for a specific purpose or at the issuing merchants, it is a kind of marketing function that allows merchants to secure users and reduce costs, users benefit from discounts and accruals, governments earn real-time taxes, and operators earn commissions. The invention of the interlocking digital money system and its method, and the payment system and method between electronic wallets interlocked with a dedicated digital currency are desired.

Japanese Patent Application Publication No. 2003-76851 (Publication Date 2003.03.14) Republic of Korea Patent No. 10-0468479 (Registration Date: January 19, 2005) Republic of Korea Patent Publication No. 10-2018-0065799 (Application date: 2018.06.08.)

The present invention is to solve the problems of the prior art, the object of the present invention is a digital currency system in which a 1: 1 value is stipulated with statutory currency, the issuance, destruction, exchange and security of digital currency is centralized. In charge of the operating computer, the distribution of digital money is centralized, the operating computer and the decentralized electronic wallet of each of the merchant terminals, and the payment of digital money is decentralized, the target terminal, the user and the merchant. Provided is an interlocked digital money system and method to be processed when there is no error according to the interlocking of digital wallets between the two electronic wallets, e-wallet and e-wallet by user and sales user, merchants and merchants' own functions. .

Another object of the present invention is to separate the general digital currency that can be used anywhere and the exclusive digital currency that can be used by the merchant or for a specific purpose, and the electronic wallet for the user or the merchant or the sales user is the dedicated digital When the payment method of a merchant that can use the currency is recognized or automatically recognized by a short-range communication means and a location-based system, the digital wallet optimal for the purchased product and service value in the electronic wallet for the user or merchant or sales user A transfers ownership to the electronic wallet for the merchants with the highest priority, and if the amount of purchase of goods and services exceeds the amount of the exclusive digital currency, the balance of the transaction is unfilled, such as cash in each electronic wallet. Transferred to the realm and transferred ownership An object of the present invention is to provide a payment system and method for an electronic wallet interlocked with a dedicated digital currency that secures versatility.

Another object of the present invention is to provide an information storage space (capacity) to a digital currency for each amount of money in the operating computer, thereby allowing the amount of money to be distributed (user charging) several times in a fixed state, thereby reducing the amount of currency than the real money. As an advantage, it is a linked digital money system that is configured to monitor the unique identification information of all electronic wallets and the digital identification information of all digital wallets that are connected to the operating computer and to find out if the same identification information exists (replicating) and take deactivation action if found. And a method, a payment system between electronic wallets linked with a dedicated digital currency, and a method therefor.

As a technical solution for achieving the object of the present invention, as a first aspect of the present invention, digital money user, merchant and sales user information, and electronic wallet information executed on terminals used by them, information related to digital money is managed. An operating computer for doing so; A digital money distribution computer that manages digital money information such as issuance, charging, distribution, refund and disposal of the digital money; Operation management unit including an artificial intelligence computer that provides location-based services to the electronic wallet and the digital money real-time monitoring and the electronic wallet, and data storage included in the operation management unit or connected to a communication means to store and manage data A user group comprising at least one user terminal equipped with an electronic wallet for users who communicate with the operation management unit and affiliated terminals and request digital issuance (charge) or use or credit digital money, and A merchant group including at least one merchant terminal equipped with an electronic wallet for merchants used in online and offline merchants that communicates with the operation management department and the user's electronic wallet to perform commerce using digital money and charge digital money. And, the operation management unit and the user An interlocking digital money system is proposed that includes a sales user group that includes at least one sales user terminal equipped with an electronic wallet for sales users that communicates with the user's electronic wallet to perform commerce using digital money.

In a second aspect of the present invention, a user, an affiliate store, and a selling user download and execute an electronic wallet for a user, an electronic wallet for an affiliated store, and an electronic wallet program for a selling user, respectively, using respective terminals; Receiving and storing unique identification information and terminal information of the electronic wallet for the user, the electronic wallet for the affiliated store, and the electronic wallet for the selling user, executed by each of the terminals of the user, the affiliate store, and the selling user by the operating computer of the operation management unit; The operation management unit receives the charging request information of the digital money transmitted from the user's electronic wallet of the user terminal, which is set to the amount of money and the number of money, or the digital money for which the user is specified, generates the requested digital money to generate the requested digital money. Transferring ownership to the transfer; The electronic wallet for the user of the user terminal displays the digital money transmitted from the operation management unit or the dedicated digital money by the amount and amount of information storage space (capacity) set by amount, the expiration date and the unique identification code of the digital money. Visually displaying the information it contains; A step in which the electronic wallet for the user of the user terminal is activated by recognizing the electronic wallet for the merchant or the electronic wallet for the selling user; A step in which the electronic wallet for the merchant or the electronic wallet for the sales user is recognized and activated in each terminal; Depending on the user's purchase of products and services, if there is a general digital currency corresponding to the merchandise product and service transaction value of the merchant in the electronic wallet for the user or a dedicated digital currency issued by the merchant, the priority is selected and ownership of the merchant electronic wallet Payment by transferring; The electronic wallet for the merchant receives and stores the payment information of the product purchase amount of the electronic wallet for the user and the digital money paid, and determines whether the stored digital currency exceeds the purchase price of the product, and if the transaction balance is exceeded, the transaction balance is paid Recording and storing in accordance with the digital money information storage space (capacity) form along with a description; Distributing the unique identification information of each subject according to the distribution history recorded in the form; Distributing and storing the record in an electronic wallet to be traded; Transmitting the identification information unique to the digital currency to which the ownership is transferred; A method of using interlocked digital money is presented, comprising the step of transmitting the total amount of digital money held in accordance with the changes in the electronic wallet for the user, the electronic wallet for the merchant, and the electronic wallet for the sales user who has completed payment.

In addition, in a third aspect of the present invention, the step of activating the electronic wallet for the user of the user terminal and the electronic wallet for the affiliate store of the affiliated terminal; The electronic wallet for the user of the user terminal recognizes the unique identification information of the electronic wallet for the affiliated store of the affiliated terminal, or the electronic wallet for the affiliated store of the affiliated terminal; A step in which the electronic wallet for the user and the electronic wallet for the affiliates display the necessary information among the information included in each unique identification information on the electronic wallet through digital currency or through mutual transmission; In the electronic wallet of the user terminal, if there is a general digital currency corresponding to the merchandise and service transaction value of the affiliated store or a dedicated digital currency issued by the affiliated store, it is selected as the top priority and transfers the ownership to the affiliated electronic wallet to pay; ; When the electronic wallet for the merchant receives and stores payment information of the purchase amount of the product of the electronic wallet for the user and the paid digital currency, and determines whether the stored digital currency exceeds the purchase price of the product, the transaction balance is exceeded. Recording and storing in accordance with the digital money information storage space (capacity) form along with a description; Distributing the unique identification information of each subject according to the distribution history recorded in the form; Distributing and storing the records in an electronic wallet to be traded; Transmitting the identification information unique to the digital currency to which the ownership is transferred; A step in which the total amount of digital money held in accordance with the change is transmitted to the operation management unit in the electronic wallet for the user, the electronic wallet for the merchant, and the electronic wallet for the sales user who has completed payment; A payment method is proposed between electronic wallets interlocked with a dedicated digital currency, including the step of real-time monitoring of all electronic wallets and digital currency distribution channels and unique identification information that are in communication communication with the operation management unit.

In addition, in a fourth aspect of the present invention, the operation management unit monitors the location information of the electronic wallet registered in real time by an artificial intelligence computer providing a location-based service to the registered electronic wallet; The user terminal with the electronic wallet for the user registered in the operation management unit or the sale user terminal with the electronic wallet for the sales user registered in the operation management unit is located near the affiliated terminal with the electronic wallet for the merchant registered in the operation management unit, When the electronic wallet for the user or the sales user is executed, the affiliate store information stored in the operation management unit operation computer on the screen of the electronic wallet for the user or the sales user as a location-based service from the artificial intelligence computer of the operation management unit in connection with this. Providing (displaying) (flavor evaluation, representative picture, contact information, etc.); E-wallet for the user or the sales user is interlocked to display the status of holding of the digital money for exclusive use of the affiliated store under the affiliated store information; The user terminal or the selling user terminal enters into the affiliated store and selects a product and service, and then is located in the payment area of the affiliated terminal equipped with a short-range communication means, so that the affiliated terminal electronic wallet and the user terminal electronic wallet are connected and connected. ; A step in which a payment program in an electronic wallet for a user is activated on the user terminal, and a general digital currency and a dedicated digital currency holding status are displayed; Outputting a user's photo image on the payment request screen of the affiliated terminal; A step in which information such as a product and an amount of money and a photograph image of a member of the affiliated store is converted into payment recognition means and displayed on the affiliated terminal; A step in which the user terminal recognizes payment recognition means displayed on the affiliated terminal and outputs information such as a product, an amount, and a photograph image of an affiliated accountant on the payment request screen of the user terminal; The user confirming payment information on the payment request screen and selecting payment approval; When the user's electronic wallet has a general digital currency corresponding to the merchandise product transaction related value or a dedicated digital currency issued by the affiliate, it is selected as a top priority and transfers ownership to the affiliate electronic wallet to pay; When the electronic wallet for the merchant receives and stores payment information and payment digital money of the purchase amount of the product of the electronic wallet for the user, and determines whether the stored digital currency exceeds the purchase price of the product, the transaction balance is exceeded And recording and storing in accordance with the digital money information storage space (capacity) format; Distributing the unique identification information of each subject according to the distribution history recorded in the form; Distributing and storing the record in an electronic wallet to be traded; Transmitting the unique identification information of the digital money transferred to the operation management unit; the electronic wallet for the user, the electronic wallet for the merchant, and the total amount of digital money held in accordance with the change in the electronic wallet for the sales user A payment method between electronic wallets linked with a dedicated digital currency including a step of being transmitted is presented.

In addition, in a fifth aspect of the present invention, the operation management unit monitors the location information of the electronic wallet registered in real time by an artificial intelligence computer providing a location-based service to the registered electronic wallet; If a user terminal with an electronic wallet for a user registered in the operation management department or a sales user terminal with an electronic wallet for a sales user registered in the operation management department enters the unattended store among the electronic wallets for merchants registered in the operation management department, artificial intelligence A computer operating in a payment standby mode for the electronic wallet for the user or the sales user; Operating the electronic wallet for the user or the sales user in a payment standby mode by a short-range communication system in the unmanned store; Calculating a purchase price of the electronic wallet product for the user or the sales user by the unmanned payment system of the unmanned store; When the electronic wallet for the user or the sales user passes through an entrance, the purchase price of the product for the user or the electronic wallet for the sales user is transmitted to the artificial intelligence computer in the communication system within the unmanned store; When the electronic wallet for the user or the selling user comes out of the unmanned store, the artificial intelligence computer captures in real time and transmits the purchase price of the product to the electronic wallet for the user or the selling user; When the electronic wallet for the user or the sales user approves the purchase price of a product, a payment method between electronic wallets interlocked with a dedicated digital currency is presented, including the step of making payments with the optimal (exclusive) digital currency in each electronic wallet. .

In addition, in a sixth aspect of the present invention, an operating computer for managing digital money user, merchant and sales user information, and electronic wallet information and digital money related information executed in a terminal used by them; A digital money distribution computer that manages digital money information such as issuance, charging, distribution, refund and disposal of the digital money; Operation management unit including an artificial intelligence computer that provides location-based services to the electronic wallet and the digital currency real-time monitoring and the electronic wallet, and data storage included in the operation management unit or connected to a communication means to store and manage data A user group including at least one user terminal equipped with an electronic wallet for a user who is in communication with the operation management unit and the affiliated terminal and requests digital issuance or uses or uses digital money, and the operation management unit and A merchant group including at least one merchant terminal equipped with an electronic wallet for merchants used in on / offline merchants that communicates with the user's electronic wallet of the user terminal to perform commerce using digital money and charge digital money; The operation management unit and the user terminal Between electronic wallets using digital money by country, which includes a sales user group that includes at least one sales user terminal equipped with an electronic wallet for sales users that communicates with the electronic wallet for users to conduct commerce using digital money. A step in which an electronic wallet for a user of a user terminal and an electronic wallet for a merchant of a merchant terminal, an electronic wallet for a sales user of a selling user terminal, and an electronic wallet for a user of a common user terminal are activated in a linked payment system; The electronic wallet for the user performing country conversion of the electronic wallet; The operation management department of the first country is the operation management department of the first country, the operation management department of the converted country is the operation management department of the second country, and the intermediary operation management department and each of the electronic wallets that mediate the operation management department of the first country and the operation management department of the second country Interlocked and connected; A step in which the electronic wallet converted to the corresponding country is translated and displayed in the native language, and real-time exchange rate information is applied to the total amount of cash held and the amount of unfilled money to be exchanged and displayed in units of the corresponding country; The operation management department of the first country shares the unique identification information of the electronic wallet for the user with the brokerage operation management department, and the operation management department of the second station requests the general digital currency or the exclusive digital currency charging of the digital wallet for the user. Receiving and confirming whether there is an electronic wallet information problem for the user in the intermediary operation management unit; If there is no problem, transferring ownership of the electronic wallet for the user to the electronic wallet for the user according to the charge amount of the digital wallet for the user in the operation management department of the second station; Recognizing the merchant payment means for the purchase of goods and services by the electronic wallet for the user at a merchant registered in the second country operation management department; In the electronic wallet for the user, when there is a general digital currency corresponding to the transaction price of the affiliated store or a dedicated digital currency issued by the affiliated store, it is selected as a top priority and transfers the ownership to the electronic wallet for the affiliated store and makes a payment. ; When the electronic wallet for the merchant receives and stores payment information of the purchase amount of the product of the electronic wallet for the user and the paid digital currency, and determines whether the stored digital currency exceeds the purchase price of the product, the transaction balance is exceeded. Recording and storing in accordance with the digital money information storage space (capacity) form along with a description; Distributing the identification information unique to each subject in accordance with the distribution history recorded in the form; And the record is distributed to the electronic wallet for the user and the operations management department and brokerage operations management department of the second station; A step in which the records stored in the electronic wallet for the user are distributed and stored in the operation management department and the brokerage operation management department of the first station; Verifying an abnormality by comparing the records sent from the electronic wallet for the second country affiliated store and the electronic wallet for the user of the first country by an intermediary operation management unit; Transmitting the identification information of the digital currency transferred to the electronic wallet for the affiliated store to the operation management department and the intermediary operation management department of the second country; the total amount of digital money held by the change in the electronic wallet for the user operated by the first country operation A payment method between electronic wallets interlocked with a dedicated digital currency is presented, which includes steps transmitted to the management unit and the intermediary operation management unit.

According to the present invention, the user is charged with cash, account transfer, credit, goods, cryptocurrency, etc. in 1: 1 value general digital currency or dedicated digital currency to correspond to the legal currency, and issuing, revoking, currency exchange of common digital currency, and Security is centralized and operated by the operating computer, distribution of digital money is centralized and operated computer and decentralized, respectively, in the electronic wallet of the affiliated terminal, and payment of digital money is decentralized It is safe for security by processing when there are no errors according to the interlocking of digital wallets between electronic wallets and electronic wallets and two electronic wallets according to the performance (function) of the terminal, the user and the merchant, the user and the selling user, and the terminal's own performance (function). The transaction cost is low, and transaction anonymity is guaranteed. In addition, the issuance of a dedicated digital currency that can be used in a particular affiliated store or for a specific use itself is a kind of marketing function (e.g., a substitute for a gift certificate, coupon, advertisement, etc.) The fact that it is charged with cash is meaningful in terms of securing customers for the merchant, and it can be viewed as a marketing method because the merchant determines the discount rate and the accumulation rate when issuing a dedicated digital currency). Can benefit from discounts and accruals, the government earns real-time taxes, and operators earn commissions. In addition, by giving information storage space (capacity) to each digital currency by amount, the amount of money can be distributed (charged) several times in a fixed state, thereby reducing the amount of currency than the real currency. In addition, by recording and distributing in the form of digital currency information storage space (capacity), related parties can trust and trust in fair and transparent transactions. In addition, the current fintech's smartphone is turned on, the app is run, and the product payment or recognition of payment method, payment method or password input process is linked to each electronic wallet through a location information system or short-range communication method to recognize payment methods. And by simplifying payment approval, it is possible to use convenient, easy and fast payments from children to the elderly. In addition, there is an effect of minimizing commissions such as direct money transfers, overseas money transfers, and currency exchanges through the conversion of electronic wallets into countries.

1 is a schematic configuration diagram of an embodiment of a payment system between an electronic wallet interlocking with a digital currency system and a dedicated digital currency of the present invention.
2 is a schematic configuration diagram of an embodiment of an operating computer that is a main part of an interlocking digital money system of the present invention and an electronic wallet interlocking payment system interlocked with a dedicated digital currency.
3 is a schematic configuration diagram of an embodiment of a digital money distribution computer that is a main part of a payment system between electronic wallets interlocked with a digital money system and a dedicated digital money of the present invention.
4 is a schematic configuration diagram of an embodiment of an artificial intelligence computer that is a main part of an interlocking digital money system of the present invention and an electronic wallet interlocking payment system interlocked with a dedicated digital money.
5 is a schematic configuration diagram of an embodiment of a digital money issuing (charging) request means of an inter-digital payment system interlocked with a digital money system and a dedicated digital money of the present invention.
FIG. 6 is a schematic configuration diagram of an embodiment of an issuing (charging) request means of a foreign currency digital currency of an inter-digital payment system interlocked with a digital currency system and a dedicated digital currency of the present invention.
7 is a schematic configuration diagram of an embodiment of a request or request means for issuing digital money of an inter-digital payment system interworking with a digital money system and a digital money of the present invention.
8 is a schematic configuration diagram of an embodiment of a means for requesting the issuance of a dedicated digital currency to an operating computer from an electronic wallet for a merchant in an interlocking digital money system of the present invention and an electronic wallet interlocking payment system interlocked with a dedicated digital currency.
9 is a schematic configuration diagram of an embodiment of an electronic wallet for a user, which is a main part of an interlocking digital money system of the present invention and an electronic wallet interlocking system with a dedicated digital currency.
10 is a schematic configuration diagram of an embodiment of an electronic wallet for a merchant that is a main part of an inter-digital payment system interlocked with a digital money system and a dedicated digital currency of the present invention.
11 is a schematic configuration diagram of an embodiment of an electronic wallet for a sales user that is a main part of an interlocking digital money system of the present invention and an electronic wallet interlocking payment system interlocked with a dedicated digital currency.
12 is a schematic configuration diagram of an embodiment of a digital currency display screen of an inter-digital payment system interlocked with a digital currency system and a dedicated digital currency of the present invention.
13 is a schematic configuration diagram of an embodiment of an information storage space of a digital currency of a payment system between an electronic wallet interlocking with a digital money system and a dedicated digital money of the present invention.
Figure 14 is a digital inter-country according to the conversion of foreign wallets in electronic wallets for users, electronic wallets for merchants, and electronic wallets for sales users, which are the main parts of the interlocking digital money system of the present invention and the electronic wallet interlocking with dedicated digital money. It is a schematic configuration diagram of an embodiment of currency use and linked payment.
15 is a flow chart for explaining an embodiment of the method of using the linked digital currency of the present invention.
16 is a flow chart for explaining another embodiment of the method of using the linked digital currency of the present invention.
17 is a flowchart for explaining an embodiment of a payment method between electronic wallets interlocked with a dedicated digital currency of the present invention.
18 is a flowchart for explaining another embodiment of a payment method between electronic wallets linked with a dedicated digital currency of the present invention.
19 is a flowchart for explaining another embodiment of a payment method between electronic wallets interlocked with a dedicated digital currency of the present invention.

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

In order to help the understanding of the present invention, it will be defined with respect to the terms of the embodiments described below. The present invention is a configuration that utilizes a computer program or a web program or a cloud computer program driven using computer hardware and resources of the computer hardware. Therefore, in the description of the present invention, the names of hardware and programs that utilize the hardware may be used interchangeably. In other words, each component of the operating computer, digital currency distribution computer, and artificial intelligence computer is a component of its own hardware, or a computer program or web program driven by using the hardware resources of the operating computer, or each component of a cloud computer program. The terms can be used interchangeably. The electronic wallet driven by the user terminal, merchant terminal and sales user terminal of the present invention may be a computer program, a web program or an application program, a cloud computer program driven by utilizing hardware resources, or may be a dedicated terminal.

Among the main components of the present invention, the terms users, sales users, and merchants are users, and users, sales users, and merchants can be collectively used for users.

Among the main components of the present invention, the term digital currency recharging is a terminal electronic device that uses digital money issued by an operating computer (or digital money distribution computer) as a 1: 1 value in cash, account transfer, credit, goods, cryptocurrency, etc. It means transfer of ownership to the wallet and can be used interchangeably by issuing (charging) digital currency.

Among the main components of the present invention, the term general digital currency is issued by granting an information storage space (capacity) in an operating computer, and the user receives a 1: 1 value digital currency in cash, account transfer, credit, good, cryptocurrency, etc. It is charged by the operating computer or affiliated store and used for payment of goods and services with all affiliated stores or sales users, and random users are distributed through the above charging method and the amount of money is fixed (for example, 10,000 won is paid 10 times. It is a concept currency that is repeatedly distributed until it is full due to the cumulative record of information related to payment in use. It is issued from the operating computer (or digital currency distribution computer) that is the principal of the issue, and is not simply displayed on the user's electronic wallet, but transfers ownership to the user's electronic wallet, so that the so-called manager operating computer is not involved in the user's use of digital money It does not have a structure.

Among the main components of the present invention, the term dedicated digital currency is issued by granting an information storage space (capacity) from an electronic wallet for merchants or a separately commissioned operating computer, and the user uses cash, bank transfer, credit, goods, cryptocurrency, etc. This is a concept currency that uses 1: 1 value-only digital money distributed from an operating computer or affiliated store in a charging method, and is used only for issuing affiliated stores or for specific purposes. When information such as the total issued amount, coverage, discount rate, accumulation rate, and expiration date is transmitted from the electronic wallet for the merchant to the operating computer, it is registered in the operating computer and deducted from the total issued amount when requested by the user electronic wallet And operate it by transferring ownership to the electronic wallet for the user. It is structured that the so-called manager's operating computer is not involved in the user's use of digital money.

General digital currency and dedicated digital currency can be collectively used as digital currency.

In addition, the digital currency of the present invention may mean a software currency in which digital money for each money unit stored and displayed in each electronic wallet program executed on the user's terminal and information storage space (capacity) for each money unit are set. have.

In addition, the title of the present invention, a dedicated digital money system, and a payment system between electronic wallets interworking with the expression 'interlocked' are attached to the present invention when the user or the selling user executes the electronic wallet of each terminal as a location-based service of the operation management department. When the user or sales user is located in the payment area within the affiliated store, the affiliated terminal electronic wallet and the user terminal or the sales user terminal are displayed on the user terminal or the sales user terminal in connection with the operation management unit location-based service. The electronic wallet is interlocked to exchange information, and each electronic wallet's unique identification information is linked to the unique identification information of the digital currency going to and from the electronic wallet, while exchanging necessary information, there is an error in the payment process such as transaction record, distribution, ownership transfer, etc. If there is no function to be processed programmatically Because it is open.

In addition, in the payment means term of the present invention, the payment means means means for trading in digital currency such as QR code, barcode, biometric recognition, and unmanned devices.

In addition, as a concept of the present invention, issuance, disposal, currency exchange, and security in the interlocking payment system between digital money and electronic wallet are made in the centralized type of operation computer, and distribution is centralized in the interlocking payment system between digital money and electronic wallet. It is a type and decentralized type, which is made in the electronic wallet of the operating computer and the merchant terminal, and in the interlocked payment system between digital currency and electronic wallet, the payment is decentralized, and the target terminal (user vs. merchant, user vs. sales user, merchant vs. Merchant) 's e-wallet and digital currency.

1 is a schematic configuration diagram of an embodiment of an interlocking digital payment system and an electronic wallet-to-wallet payment system interlocked with a dedicated digital currency of the present invention. As shown in Fig. 1, the interlocking digital money system of the present invention and the electronic wallet-to-wallet payment system interlocked with a dedicated digital currency, user information of digital money, merchant and sales user information, and electronic wallet information executed in a terminal used by them , Operating computer 100 for managing digital money-related information, at least one digital money distribution computer 200 for managing digital money information such as issuance, charging, distribution, refund and disposal of the digital money, the electronic wallet And an operation management unit 1000 including an artificial intelligence computer 900 that provides real-time monitoring of the digital currency and a location-based service to the electronic wallet, and data that is included in the operation management unit 1000 or connected to a communication means. A data storage unit 2000 including at least one data storage device 300 for storing and managing, and the operation management unit 100 0) or a user group 3000 including at least one user terminal equipped with an electronic wallet 400 for a user who is in communication with a merchant terminal and requests to issue digital money or uses or uses digital money. At least one of the electronic wallets 500 for merchants used in on / offline merchants that communicate with the management unit 1000 and the user's electronic wallet 400 of the user terminal to perform commerce using digital money and charge of digital money. Merchant group (4000) including a terminal for a merchant of the electronic wallet (600) for sales users communicating with the operation management unit (1000) and the user electronic wallet (400) of the user terminal to perform commerce using digital money ) Includes a sales user group 5000 including at least one terminal for sales users.

The data storage unit 2000 includes a user information storage unit 310 that stores user information, sales users, member information of merchants, and unique identification information of each electronic wallet; The digital wallet issuance information issued by the user's electronic wallet 400, the merchant electronic wallet 500, and the sales user's electronic wallet 600 through the payment of digital money through payment of cash or goods, the user The digital wallet issue information and the electronic wallet 400 for the user issued according to the credit distribution request of the digital wallet of the electronic wallet 400, the electronic wallet 500 for the merchant, and the electronic wallet 600 for the sales user, Issuance information of the digital currency issued in response to a request for charging of digital money by paying with cash or goods from the electronic wallet 600 for the merchant user to the electronic wallet 500 for the merchant, exclusive use of the electronic wallet 500 for the merchant A digital money issuance information storage unit (320) for storing dedicated digital money issuance information issued according to a digital money issuance request; A digital currency exchange information storage unit 330 storing the processed information by receiving the exchange request by transmitting the digital money stored in the electronic wallet to the operating computer 100 by the electronic wallet 500 for the merchant; When the electronic wallet 500 for the merchant stores the information storage space (capacity) of the digital money stored in the electronic wallet becomes zero or reaches a set value, the digital money is transmitted to the operating computer 100 to request disposal and the operating computer is discarded. A digital money waste information storage unit 340 for storing the processed digital money waste information; When the electronic wallet 400 for the user selects a country in which digital money is used and requests for issuance or credit distribution is requested, the digital currency exchange information storage unit 350 stores information issued by converting to the digital currency of the selected country. ).

2 is a schematic configuration diagram of an embodiment of an operating computer that is a main part of an interlocking digital money system and an electronic wallet-to-electronic payment system interlocked with a dedicated digital currency of the present invention. The embodiment of the operating computer of FIG. 2 may be a component of a web program, an application program, and a cloud program that is mounted and executed on the operating computer. As shown in FIG. 2, the operating computer 100 of the present invention manages member information of a general user who charges and uses digital money in a user electronic wallet 400 and a credit user who uses digital money as credit. A user member information management unit 111; A merchant that manages merchant member information that performs commerce in digital currency by interlocking with the user's electronic wallet 400 of the user member with the electronic wallet 500 for the merchant and charges the digital money in the electronic wallet 400 for the user. Membership information management unit 112 and sales user member information that manages sales user member information that performs commerce such as used goods or street vendors in the digital wallet of the user electronic wallet 400 in the electronic wallet 600 for sales users. A member information management unit 110 including a management unit 113; The electronic wallet 400 for the user, the request for charging digital money from the electronic wallet 600 for the selling user, or the electronic wallet 400 for the user from the electronic wallet 500 for the merchant, the electronic wallet for the selling user ( Issuance of digital money to 600) or request for issuance of a dedicated digital currency from the electronic wallet 500 for merchants, and issuance of digital money to manage unique identification information for each amount of issued or charged digital money and Charging information management unit 120; A digital currency exchange information management unit 130 for receiving and processing a request for exchange of digital money in cash held by the electronic wallet 500 for merchants or the electronic wallet 600 for sales users and managing related information; Process and manage refund information from the electronic wallet 400 for the user to the electronic wallet 400 for the user who transfers ownership from the electronic wallet 500 for the merchant or the electronic wallet 600 for the selling user. A digital currency refund information management unit 140; If the information storage space (capacity) of the digital money of the electronic wallet 500 for the affiliated store and the electronic wallet 600 for the sales user is exhausted or the record of the information storage reaches a set ratio, it is processed according to the request to dispose of the digital money. And digital money waste information management unit 150 to manage; If you wish to use foreign currency digital currency for the purpose of direct purchase, overseas remittance, overseas travel, trade settlement, etc., in the above-mentioned electronic wallet 400 for users, electronic wallet 500 for merchants, and electronic wallet 600 for sales users A digital currency exchange information management unit 160 that processes and manages digital currency in a corresponding country according to a request for exchange; An electronic wallet information management unit 170 that manages unique identification information, upgrades, etc. of the electronic wallet 400 for users, the electronic wallet 500 for merchants, and the electronic wallet 600 for sales users; The configuration includes a payment information management unit 180 for managing commerce payment information of digital money between the user electronic wallet 400, the merchant electronic wallet 500, and the selling user electronic wallet 600.

The user member information management unit 111, when a general user and a credit user want to sign up for membership, the name, age, gender, contact information (mobile phone number and e-mail address) of the member, address, photo, account number, government When entering personal information such as whether to be supported, whether it is a general user or a credit user, and signing up for membership, the operating computer 100 approves the use of the electronic wallet for the user who has given unique identification information.

The member information management unit 112, when the merchant wants to trade products and services, wants to sign up for membership, business registration number, business status, item, trade name, address, contact information, representative's name, age, gender, photo, account When information such as a number, whether to be supported by the government, and whether to be a credit user is input, the operating computer 100 approves the use of an electronic wallet for a merchant who has given unique identification information.

 The sales user member information management unit 113 is a name, age, gender, and contact information (mobile phone number and electronics) when an individual without a business registration such as a used transaction or a street vendor wants to register for membership as a sales user in hopes of trading goods and services. E-mail address), address, photo, account number, government support target, general user or credit user, and personal information such as used transaction deposit, etc., the operating computer 100 is a sales user who granted unique identification information I approve the use of the long wallet.

3 is a schematic configuration diagram of an embodiment of a digital money distribution computer that is a main part of an inter-digital payment system interlocked with a digital money system and a dedicated digital money of the present invention. The embodiment of the digital money distribution computer of FIG. 3 may be a component of a web program, application program, and cloud program that is mounted and executed on the digital money distribution computer. As shown in FIG. 3, the digital money distribution computer 200 of the present invention issues the general digital money requested by the user from the electronic wallet 400 for the user, which is requested from the operating computer 100, for the user A user general digital currency charging processing unit 210 for transferring ownership to the electronic wallet 400; A digital money charging processing unit 220 for the user to issue ownership of the digital money requested by the user from the electronic wallet 400 for the user to transfer the ownership to the electronic wallet 400 for the user; A general digital sales user requesting the electronic wallet 600 for the sales user from the operating computer 100 to transfer the ownership to the electronic wallet 600 for the sales user by issuing the general digital currency requested by the sales user. A currency charging processing unit 230; A digital for exclusive use of the sales user requesting the electronic wallet 600 for the sales user from the operating computer 100 to transfer the proprietary digital currency requested by the sales user to the electronic wallet 600 for the sales user to transfer ownership. A currency charging processing unit 240; A sales user digital currency exchange processing unit 250 which performs a currency conversion process of the digital money in response to a request for the exchange of digital money in the electronic wallet 600 for the sales user requested from the operating computer 100; A sales user digital money disposal unit 260 that performs a disposal process of the digital money in response to a request to dispose of the digital money in the electronic wallet 600 for the sales user requested from the operating computer 100; A merchant general digital currency that transfers ownership by transmitting to the electronic wallet 400 for the user according to a request for charging the general digital currency to the user electronic wallet 400 at the affiliated store requested from the operating computer 110. A charging processing unit 270; The digital money for exclusive use of the merchant that transfers ownership by transmitting to the electronic wallet for the user 400 in response to a request for charging the digital money for the user to the electronic wallet 400 for the user requested from the operating computer 110. A charging processing unit 280; A franchise digital currency exchange processing unit 290 that performs a digital currency exchange process in response to a request to exchange digital money in the electronic wallet 500 for the merchant, requested from the operating computer 100; A merchant digital money disposal unit (295) that performs a disposal process of the digital money in response to a request to dispose of the digital money in the electronic wallet (500) for the merchant, requested from the operating computer (100); The total issuance amount is registered in response to a request for issuance of a dedicated digital currency to the electronic wallet 500 for the affiliated store at the affiliated store, requested from the operating computer 100, and the electronic wallet 400 for random users, for sales users When a request for charging comes from the electronic wallet 600, the electronic wallet 500 for the merchant, it is issued by subtracting it from the total issued amount, and the electronic wallet 400 for the user, the electronic wallet 600 for the selling user, and the electronic wallet for the merchant ( 500) to transfer the ownership to transfer digital money issuance processing unit 297 only; The intermediary operation management unit according to the request for the charging of foreign digital money to the electronic wallet 400 for the user, the electronic wallet 600 for the selling user, and the electronic wallet 500 for the merchant requested by the operating computer 100 ( 6000) in connection with the electronic wallet 400 for the user, the electronic wallet 600 for the selling user, and the digital money exchange processing unit 299 for transferring ownership to the electronic wallet 500 for the merchant. to be.

4 is a schematic configuration diagram of an embodiment of an artificial intelligence computer that is a main part of an inter-digital payment system interlocked with a digital currency system and a dedicated digital currency of the present invention. The embodiment of the artificial intelligence computer of FIG. 4 may be a component of a web program, an application program, and a cloud program loaded and executed on the artificial intelligence computer.

As shown in Figure 4, the artificial intelligence computer 900 of the present invention is for the user, the merchant, the electronic wallet 400, 500, 600 for communication users connected to the operating computer 100 in communication. An electronic wallet monitoring unit 910 that monitors the unique identification information in real time; A digital money monitoring unit 920 that monitors in real time the unique identification information of digital money coming and going between each electronic wallet connected to the operating computer 100 in communication; When the electronic wallet 400 for the user and the sales user connected to the operating computer 100 is activated, the information of nearby merchants is the electronic wallet 400 for the user and the sales user 400 It includes a location-based service unit 930 for providing a location-based service provided in the.

In the case of commerce, the affiliate information and the corresponding digital money holding information are displayed on the electronic wallet for the user or the electronic wallet for the sales user in connection with the electronic wallet for the affiliated store as a location-based service or short-range communication means of the artificial intelligence computer. The optimal digital money related to the affiliated store possessed by the electronic wallet or the electronic wallet for the sales user can be selected and configured to be processed.

In addition, if the purchaser's electronic wallet or the selling user's electronic wallet is located at an unmanned store that is a merchant for commerce, the location-based service of the artificial intelligence computer and a short-range communication means interlock with the electronic wallet for the merchant, and Payment of the transaction product is not made immediately, i.e., if the purchaser exits the unmanned store even if the payment action is not made in the user's electronic wallet or sales user's electronic wallet, the user's electronic wallet or sales user's electronic wallet It is possible to configure the electronic wallet so that the product price is charged.

5 is a schematic configuration diagram of an embodiment of a digital money issuing (charging) request means of an inter-digital payment system interlocked with a digital money system and a dedicated digital money of the present invention. In addition, Figure 6 is a schematic configuration diagram of an embodiment of an issuing (charging) request means of a foreign currency digital currency of a payment system interlocked with an electronic wallet interlocking with a digital currency system and a dedicated digital currency of the present invention. 7 is a schematic configuration diagram of an embodiment of a request or request means for issuing a dedicated digital currency of an inter-digital payment system interlocked with a digital money system and a dedicated digital currency of the present invention.

5, 6, and 7, the digital money issuing (charging) means of the present invention may be composed of a dedicated application program or a web program or a cloud program provided by an operating computer, and is a component included in an electronic wallet.

As shown in Fig. 5, the digital money issuing (charging) request means 121 of the present invention includes a dedicated digital money button unit 122 for selecting a dedicated digital money issuing (charging) area; A holding amount display unit 123 for displaying a holding amount capable of issuing (recharging) digital currency; A random setting unit 124 for a digital money issuing (recharging) requester to randomly set the number of issuance (recharging) by amount or to select an optimized number of issuance (recharging) by the operating computer; An issuance number setting unit 125 for each amount for setting the number of digital money issuance (recharging) for each amount in order to request issuance (charging) of the digital currency for each amount of money; A total amount display unit 126 for displaying the total amount set to confirm the total amount of digital money issued (recharged); A payment button unit 127 for payment of the issuance (charge) of digital money; It is configured to include a national conversion button unit 128 for conversion to a digital currency issuing (charging) request means.

In addition, FIG. 6 selects a country as the United States from a function module unit 450, 560, 660 that converts each electronic wallet 400, 500, 600 of the present invention into an electronic wallet of a desired country. Connected to the digital currency issuance (recharge) request means 161 after being converted to electronic payment for the United States, or connected to the national conversion button unit 128 in the digital money issuance (recharge) request means 121 of the present invention. It is an example in which the number of money units is set in order to request digital issuance (recharge) of the US dollar by selecting the United States as a means for requesting the issuance (recharging) of digital currency.

The digital money issuance (recharge) request means can be configured to display the converted country amount by applying the real-time exchange rate, and the displayed characters are automatically converted into the native language.

In addition, FIG. 7 is a dedicated digital money issuing (recharging) request means 129 of the present invention, the digital money issuing (recharging) request means 121, a dedicated digital money button unit 122 for selecting a dedicated digital money filling area It is an example in which the number of money units is set in order to request the issuance (recharge) of the exclusive digital currency by connecting to).

5, 6, and 7, a user who wants to issue digital currency or a user who is a merchant or a sales user collectively uses a web program or application program or cloud program in each terminal electronic wallet 400, 500, 600. The configured digital money charging means 121, 129, and 161 are driven. The user checks the amount of money in the holding amount display unit 123 that displays the amount of money that can be issued (recharged) in digital currency, and sets the number of digital money issuance (recharge) by amount in order to request digital money issuance by amount unit The amount-of-issuance setting unit 125 sets the amount of digital money to be issued (filled) within the limit. At that time, the total amount set at that time is displayed on the total amount display unit 126. The user connects the payment button unit 127 after confirming the set total amount. The amount is transferred to the operating computer 100, and the amount deducted is displayed on the holding amount display unit 123.

When the number of digital money issuance (recharge) is difficult or cumbersome, the user may select the random setting unit 124 to randomly set the number of digital money issuance (recharge).

In the above embodiment, it may be set in a currency unit circulated in the market, preferably, the amount of digital money is 1,000 won, 2,000 won, 3,000 won, ...... 9 thousand won, 10,000 won, 20,000 won, 3 10,000 won, ...... 90,000 won, 100,000 won, 200,000 won, 300,000 won, ...... 900,000 won, 1 million won, 2 million won, 3 million won, ...... 9 million won, etc. It is good to be configured so that it can be subdivided and set.

Regarding the issuance (charging) of the digital currency, the issuing entity may be the operating computer 100 and the digital money distribution computer 200, and also a central bank computer or a separate third computer. When a transfer is made in response to a request for issuing (charging) digital money from the user's electronic wallet 400, 500, 600 to the operating computer 100, the digital money distribution computer 200 connected to the operating computer 100 ) From the user's electronic wallet (400) (500) (600) to distribute the digital money issuing the amount (transfer ownership).

In addition, when a digital money issuance (charge) is requested from the electronic wallet 500 for a merchant to the operating computer 100, the operating computer 100 issues a digital money information storage space (capacity) 800 to be distributed (cumulative) information area. After inputting the unique identification information of the electronic wallet for the affiliated store as a charging company and a company salary in 810, the electronic wallet 500 for the affiliated store is distributed (transfer ownership).

The unique identification information is an address and a fixed fee information, etc., which are deposited in the uncharged amount management unit 427 of the electronic wallet 500 for the merchant, which is executed in conjunction with the user electronic wallet 400, 500, 600 distribution program. Can contain this.

The user described the digital currency in the form of payment and distribution in cash or unfilled amount to the operating computer 100 or the electronic wallet 500 for merchants, but is not limited thereto. It can be configured to pay by various payment methods such as gift certificates and cryptocurrencies.

8 is a schematic configuration diagram of an embodiment of a means for requesting the issuance of a dedicated digital currency to an operating computer from an electronic wallet for a merchant in an interlocking digital money system of the present invention and an electronic wallet interlocking payment system interlocked with a dedicated digital currency. As illustrated in FIG. 8, the dedicated digital money issuing means of the present invention may be composed of a dedicated application program or a web program or a cloud program provided by the operating computer 100, and is included in the electronic wallet 500 for the merchant. It is a composition. 8, the exclusive digital money issuing request means 202 of the present invention comprises: a total issuance amount input unit 203 for inputting the total amount of digital money issuance; A confirmation button unit 204 for approving the total issued amount input unit 203 amount; A code 1 input unit 205 that is automatically input in accordance with the unique identification information of the electronic wallet 500 for the merchant; A code 2 input unit 206 directly inputted by an affiliate store; A code adding button unit 207 for adding a code input unit; A fee display unit 208 determined by the operating computer; A discount rate setting unit 209 applied when the user digital wallet 400, 500, 600 uses the dedicated digital currency to purchase the merchant's products and services; An accumulation rate setting unit 211; A distribution period setting unit 212 for determining a usage period for the dedicated digital currency; It includes a issuing button unit 213 to approve the input.

In more detail with respect to the total issuance amount input unit 203, the dedicated digital money issued by the dedicated digital money issuance request means 202 is stored in the digital money distribution computer 200 as the total issuance amount, When the user requests (issuance) the exclusive digital currency from the dedicated digital money issuance (recharge) request means 129 of FIG. 7, the digital money distribution computer 200 is deducted from the total amount of the exclusive digital money issued. And transfer ownership to the user.

However, it is not limited thereto. Dedicated digital currency issuance information can be directly input from the electronic wallet for the merchant, and a dedicated digital currency can be issued by setting the application range of the exclusive digital currency through the code input unit.

In more detail with respect to the common code input unit of the code 1 input unit 205 and the code 2 input unit 206, the code recorded in the code input unit is included in the unique identification information of the dedicated digital currency, and holds the dedicated digital currency. Unique identification information in the payment method (QR code, etc.) generated by the electronic wallet 500 for the affiliated store when the electronic wallet 400 for the user uses it at the affiliated store that issued the dedicated digital currency Payment is made only when the unique identification information of the dedicated digital currency in which the code is recorded matches. In other words, matching the unique identification information code between the dedicated digital currency and the merchant electronic wallet 500 is one of the main processes in executing payment. Due to this payment method, countries, regions, traditional markets, culture, Sports, department stores, chain stores, games, books, albums, etc. can be used in a limited place or field or company, and by applying this, the merchant can add a code input unit from the dedicated digital money issuance request means 202 to a specific local market It can be issued by subdividing the scope of application into a dedicated digital currency limited to or a specific digital currency limited to a specific product made by a specific company.

This is a way of grafting marketing to digital currency, and issuing (charging) the dedicated digital currency, provides discount and accrual rate benefits to the users who use it and uses it in the franchise. Savings, the operating computer issuing and distributing the dedicated digital currency, the commission profit, the government input to all digital currency distribution (cumulative) information area 810 is a profit for all subjects by collecting real-time tax. The affiliated store that issued the exclusive digital currency is a marketing means that does not damage the affiliated digital currency merchants in that there is no cost until the user purchases the affiliated products and services and pays with the dedicated digital currency.

In addition, the remaining transaction amount after using the dedicated digital currency is transferred to the uncharged amount management unit 427 of each electronic wallet capable of issuing (charging) the general digital currency according to the unique identification information storage space (capacity) unique recording information. By being distributed, versatility that can be used anywhere is secured.

9 is a schematic configuration diagram of an embodiment of an electronic wallet for a user who is a main part of an interlocking payment system between a digital currency and an electronic wallet of the present invention.

As illustrated in FIG. 9, the electronic wallet 400 for a user of the present invention can be output from an application program (app) or a user terminal that can be downloaded and installed by accessing the operating computer 100 or an application program download computer. It can be composed of a web program or a cloud program.

As illustrated in FIG. 9, the electronic wallet 400 for a user of the present invention can scan and transmit unique identification information of a user electronic wallet, for example, a unique identification information module such as a QR code, and transmit the user's own information. An identification module unit 410 including a module, a counterpart scan module capable of scanning and recognizing transaction counterpart information, and an image display module capable of displaying a user's own photo or image; A cash holding information display module unit 420 for displaying the total amount of cash held and the amount of unfilled money; Accessing the operating computer 100 or the electronic wallet 500 for merchants, a charging module for requesting recharging of digital currency, an account information module that manages the user's own bank account and transmits account information to the counterpart, and the user's own bank A financial module unit 430 including a transfer module for transferring from an account to a counterpart bank account; The transaction record information module that can check the transaction records of all transactions that occurred in the electronic wallet is distributed and used, and when the user who does not apply for credit when registering for membership wants to use digital money as credit, enter the necessary information such as credit information and operate the above Credit usage information module that sends credit application to the computer 100 and receives approval from the operating computer 100, checks the credit usage record and uses and pays for credit-related services, and is sold by the sales user A transaction information module unit 440 including a used transaction information module for accessing used product information and performing a used product transaction in digital currency; In order to make reservations at affiliated stores such as hotel, restaurant, beauty salon, taxi calling module that receives information such as the location of the taxi and the driver's taxi, and the taxi status module that checks the user's general and exclusive digital currency status. You can see a larger discount by hanging a general or dedicated digital currency as a down payment, and the holding digital currency utilization unit 450, which includes a reservation module that can be pre-selected to provide food or related services at a desired time, is affiliated It is possible to access shopping malls located in the shopping mall and database items purchased in the shopping mall to introduce necessary products to the user in advance and to order data according to the user's choice, shopping mall module, electronic wallet for users, electronic wallet for merchants, or electronic wallet for sales users Messenger module for users and electronic wallet for users in countries that want electronic wallets for users A function module unit 450 including an electronic wallet conversion module for converting to; It is a component that includes a product search module unit 460 that searches for a product for a product transaction and is linked with the shopping mall information module to display a product required for a user in a search window.

10 is a schematic configuration diagram of an embodiment of an electronic wallet for a merchant that is a main part of a payment system interlocked with an electronic wallet interlocked with a digital currency system and a dedicated digital currency of the present invention.

10, the electronic wallet 500 for an affiliate store of the present invention can be output from an application program (app) or an affiliate store terminal that can be downloaded and installed by accessing the operating computer 100 or an application program download computer. It can be composed of a web program or a cloud program.

As shown in FIG. 10, the electronic wallet 500 for merchants of the present invention can scan and transmit the unique identification information module of the electronic wallet for merchants, for example, a unique identification information module such as a QR code, and transmit the personal information of the merchant. An identification module unit 510 including a module, a counterpart scan module capable of scanning and recognizing counterpart information, and an image display module capable of displaying a photo or image of an affiliated store owner or employee; A digital currency and cash holding information display module unit 520 for displaying the total amount of cash held and the amount of unfilled money; A charging module that performs charging of digital money requested by the user electronic wallet 400, an account information module that manages the bank account of the merchant and transmits account information to the counterparty, and transfers the bank account from the bank account of the merchant to the bank account of the counterpart A financial module unit 530 including a transfer module to prescribe; The transaction record information module that can check the transaction records of all transactions that occurred in the e-wallet is distributed and used, and if the merchant who did not apply for credit when registering for membership wants to use digital money as credit, enter the necessary information such as credit information and operate the above Credit usage information module that sends credit application to the computer 100 and receives approval from the operating computer 100, and then the credit merchant uses credit-related services and uses and pays for credit-related services. A transaction information module unit 540 including a holding status module for checking the holding status of digital money; A refund module for transferring ownership of digital money to the user electronic wallet 400 according to a user's request for a refund after making a transaction with the user electronic wallet 400 in digital currency, the electronic wallet 500 for the merchant When the digital memory held by the electronic wallet 500 for the affiliate store and the money exchange module that exchanges the digital money held by accessing the operating computer 100 for cash, the information storage space is exhausted as an information record or reaches a set value. A digital money information module unit 550 including a discard module requesting the operating computer 100 to discard the digital money; A country that wants a reservation module to check the reservation status entered into the electronic wallet 500 for the merchant, an electronic wallet for the merchant, an electronic wallet for the user, or a messenger module for data communication with the electronic wallet for the sales user and an electronic wallet for the merchant A function module unit 560 including an electronic wallet conversion module for converting into an electronic wallet for an affiliate store; Includes a product search module unit (570) that automatically searches for a product required by a user in connection with a shopping mall operated by the operating computer (100) based on its own database that was searched for a product transaction or previously purchased. It is a configuration.

11 is a schematic configuration diagram of an embodiment of an electronic wallet for sales users that is a main part of an interlocking digital money system of the present invention and an electronic wallet interlocking system with a dedicated digital currency.

As illustrated in FIG. 11, the electronic wallet 600 for a sales user of the present invention is connected to the operating computer 100 or an application program download computer to be downloaded and installed to be output from an application program (app) or a sales user terminal. It can be composed of a web program or a cloud program.

As illustrated in FIG. 11, the electronic wallet 600 for a sales user of the present invention scans and transmits the unique identification information module of the electronic wallet for the sales user, for example, a unique identification information module such as a QR code, and the sales user's own information. An identification module unit 610 including an in-scan module, a counterpart scan module that can be recognized by scanning counterpart information, and an image display module capable of displaying a photo or image of a sales user; A digital currency and cash holding information display module unit 620 for displaying the total amount of cash held and the amount of unfilled money; A charging module that accesses the operating computer 100 to charge digital money, an account information module that manages the bank account of the sales user and transmits account information to the counterparty, and the bank account of the counterparty in the bank account of the sales user A financial module unit 630 including a transfer module to transfer to; Enter the necessary information such as credit information when the user who wants to use digital money as credit when signing up as a member of the transaction record information module that can check the transaction records of all transactions that occurred in the electronic wallet is distributed and used. A credit usage information module that transmits an application for credit use to the operation computer 100 and receives approval from the operation computer 100, and then the credit merchant uses credit-related services to check and use credit-related services and pays. A transaction information module unit 640 including a used transaction module having information for trading the wallet 400 and the used product in digital currency; A refund module for transferring ownership of digital money to the electronic wallet 400 for the user according to a user's request for a refund after making a transaction with the electronic wallet 400 for the user, the electronic wallet 600 for the selling user The information storage space among the digital currency held by the electronic wallet 600 for the sales user and the value of the information storage space is exhausted or set as an information record by accessing the operating computer 100 and converting the digital money held in cash into cash As soon as possible, the digital money information module unit 650 including a discard module requesting the operation computer 100 to discard the digital money; A module that checks the status of the general and exclusive digital currency of the sales user, between the electronic wallet for the sales user, the electronic wallet for the user, or the messenger module for data communication with the electronic wallet for the merchant and the electronic wallet for the sales user A function module unit 660 including an electronic wallet conversion module for converting into an electronic wallet for sales users in the country; Includes a product search module unit (670) that automatically searches for a product required by a user in connection with a shopping mall operated by the operating computer (100) based on its own database that is searched for a product transaction or previously purchased. It is a configuration.

12 is a schematic configuration diagram of an embodiment of a digital currency display screen of an inter-digital payment system interlocked with a digital currency system and a dedicated digital currency of the present invention.

As shown in FIG. 12, the display screen 700 of the digital money of the present invention is externally, in the form of unique identification information of the general digital money that is charged or comes from the counterpart electronic wallet and the general digital money information storage space (capacity) form. A general digital currency management department that discriminates records from contamination, handles errors when there is contamination, stores them when there is no contamination, and sends the most general digital currency closest to the value of goods and services when payment is requested. (423) and; Distinguish between the unique identification information of the dedicated digital currency that is charged or received from the opponent's electronic wallet and the record in the dedicated digital money information storage space (capacity) form, handle errors when there is contamination, and store it when there is no contamination, exclusive digital A dedicated digital money management unit 425 which, when a money payment request is requested, sends out an optimal dedicated digital money that is larger than the value of goods and services and is closest; Stores and manages cash, transfer amount, credit limit, goods, cryptocurrency, etc. that can be used to charge general or dedicated digital money, pays with ordinary or dedicated digital money in the counterpart electronic wallet, and distributes and stores the remaining transaction balance and reserves And an uncharged amount management unit 427 for returning the transaction balance and the deposit to the counterpart electronic wallet when refunding; Internally, the number of holdings display unit 710 for each money unit that is divided by the amount of the digital money (units of 6,000 won, 30,000 won, 50,000 won, 100,000 won in this embodiment) and displays the number of holdings for each money unit; The capacity of the information storage space where the information is recorded according to the usage and payment, etc. from the issuance or charging of the digital currency set for each amount of digital money (0.5MB, 2.0MB, 1.0MB, 1.5MB, etc. in this embodiment) An information storage capacity display unit 720 indicated by a number; An information storage space display unit 730 for visually displaying an information storage space in which the corresponding information is recorded according to usage and payment, etc. from the time of issuance or charging of digital money, which is set for each amount of digital money; A usage space (capacity) display unit 740 for visually displaying a space (capacity) used by information recording among the information storage spaces; An available space (capacity) display unit 750 for visually displaying the remaining space (capacity) that can be used by information recording among the information storage spaces; A unique identification information display unit (760) for displaying recognition means containing unique identification information of digital money, which is assigned to each digital money unit or electronic wallet when the operating computer (100) issues or charges digital money; When the operating computer 100 issuing or charging digital money, the expiration date display unit 770 for displaying the expiration (use) period set in the digital currency for each unit of money; An alignment button display unit 780 capable of changing the display of the digital currency displayed for each amount of money in the order of high or low money or in the order of expiration date or remaining capacity; It is a configuration that includes a dedicated digital currency conversion unit 790 for switching to a dedicated digital currency display screen.

The above-mentioned digital currency display screen is a description of the display screen of the general digital currency, and the display of the dedicated digital currency may be configured such that the digital currency has a display of regions, chain stores, traditional markets, department stores, and cultural sports. For example, Seoul local currency, Gyeonggi regional currency, A coffee shop currency, traditional market currency, convenience store currency, book currency, A electronic refrigerator currency, B electronic QLED currency, A shopping mall currency, daily necessities in A Mart, B department store When the issuance request from the electronic wallet 500 for merchants such as mountaineering clothing currency in the clothing corner can be applied to any number of applications, it can be configured with various dedicated digital currencies.

The information storage space (capacity) 720 set and displayed in the digital currency for each amount of money may be changed according to information such as the distribution speed of the digital money for each money. In addition, the expiration date of the digital currency is configured to prevent the user from using the digital currency within the expiration date, the damage caused by the accumulation of the issued or charged digital currency when not in use, and the inhibition of distribution activation. to be. For example, if the expiration date of the digital currency is within one month, the corresponding digital currency is displayed in orange, and if it enters within 15 days, it is displayed in red. It can be configured as possible.

In addition, whether the digital currency is a normal transaction through the electronic wallet's own program at the time of payment or transfer (remittance) to the digital currency of the electronic wallet (for example, information storage space in the digital currency is used for recording, refund, etc.) The form defined by the extension is expanded and the transaction details are written in each area, such as normal expansion of the form and normal record of each area, etc.) Checked in the e-wallet of the trading party, and recognizes the unique identification information of the corresponding digital currency and pays only when there is no problem Is performed, and if there is a problem as a result of the check, a payment or remittance error message appears, and payment or remittance fails, as well as corresponding situation information is transmitted to the operating computer 100.

One of the concepts of the essence of the present invention is to provide an information storage space (capacity) when issuing the digital currency for safe distribution of digital money, management of currency volume, and improved security. Information storage space (capacity) is a structure in which information set according to the issuance or payment of digital money, payment, remittance, etc. accumulates according to the form, so that the same total issuance effect can be achieved with less currency than the real currency. When a user pays to a merchant with a digital currency of 100,000 won, the digital money of the 100,000 won is not deducted by the amount of the merchandise product and service, and is recorded every time only the set information storage space (capacity) is paid , Exhausted by use such as refund. In other words, the amount of 100,000 won is fixed at 100,000 won for the first use by random users, and re-distributed, so it is fixed at 100,000 won for the second and third uses of random users. The digital currency is discarded only when the information storage space (capacity) is accumulated by use and is exhausted or reaches a set rate. With the above settings, the electronic wallet for the user in the electronic wallet 500 for the merchant without the intervention of the operating computer 100 Charge to the electronic wallet 600 for the user 400 or the sales user, and the digital money payment of the merchandise product and service amount from the electronic wallet 400 for the user or the electronic wallet 600 for the sales user is possible. This decentralized charging and payment is one of the meanings given by setting an information storage space (capacity) for digital money.

In addition, each area of the digital money information storage space is filled in whenever the digital currency is a terminal to be traded, a user and a merchant, a user and a selling user, and ownership is transferred between the merchant and the merchant. Therefore, even if each area is not filled during the transaction, or if it is not filled by the set method, it is configured to prevent the transaction from being made due to an error in digital currency.

In addition, when the operating computer 100 issues digital money, the digital money information storage space (capacity) is filled and used once more in preparation for distribution of the digital money without returning to the operating computer 100. It can be configured to give an extra information storage space (capacity).

In addition, another of the concepts of the essence of the present invention, the distribution of digital money, etc., without the intervention of the operating computer 100, the user electronic wallet 400, the electronic wallet 500 for merchants or sales It is made by the user's own electronic wallet 600 between its own program. Therefore, the distribution of digital money of the present invention seeks a configuration that can be distributed like commercial cash.

In addition, one of the concepts of the essence of the present invention, even if the main communication is blocked due to an accident such as a natural disaster, the affiliated store equipped with short-range communication means is the electronic wallet 400 for the user or the electronic wallet 600 for the selling user It is a decentralized payment system in which digital currency payment is made in conjunction with). Of course, when the main communication is restored, tasks that cannot be connected to the operating computer 100 are executed.

In addition, another of the concepts of the essence of the present invention, after the payment is made, such as commerce with the electronic wallet 500 for the merchant or the electronic wallet 600 for the sales user in the electronic wallet 400 for the user, the digital The effect of mutually checking contamination by interlocking the information stored in the information storage space of the money with the information stored in the digital currency and the information stored in the electronic wallet during distribution such as payment of digital money, and distribution of information records stored in each other. This is a configuration that minimizes contamination such as hacking or illegal use of digital money and promotes safe distribution. In addition, the electronic wallet for the user that has been settled in case the electronic wallet is lost due to loss of the terminal or virus contamination of the terminal. (400), the total amount of digital money held in accordance with the changes in the electronic wallet 500 for the merchant, the electronic wallet 600 for the sales user It is sent to the manager. The total amount of cash held and the total amount of uncharged accounts are separate accounts in the e-wallet and are linked to the operating computer in real time, so there is no separate transmission. In addition, in the artificial intelligence computer 900, the electronic wallet 400, 500, 600 for the user, merchant, and sales user connected in communication with the operating computer 100, the unique identification information and the operating computer Multiple security systems are being constructed, such as real-time monitoring (replication, etc.) of unique identification information of digital currency that is passed between (100) and each electronic wallet connected by communication.

13 is a schematic configuration diagram of an embodiment of an information storage space of a digital currency of an inter-digital payment system interlocked with a digital money system and a dedicated digital money of the present invention.

As shown in Fig. 13, the information storage space 800 of the digital currency of the present invention is a publisher (operator of the operating computer) that issued the digital currency, a charging company that is a merchant that charges the digital currency to the user, a company (salary payment) I), a distribution (cumulative) information area 810 in which government (tax collector) information and each unique identification information are fixedly recorded and stored; A distribution (once) information area 820 in which information of subjects subject to distribution regarding products and services and unique identification information of each electronic wallet are recorded and stored once; A buyer information area 830 in which unique identification information of buyer information (user, merchant, sales user), electronic wallet for corresponding user, electronic wallet for merchant, and electronic wallet for sales user is recorded and stored; The electronic wallet for the user, the electronic wallet for the merchant, the merchant or sales user information that sells goods and services as a payment method for the electronic wallet for the selling user and the seller information where the unique identification information of each electronic wallet is recorded and stored. Area 840; A payment amount information area 850 in which the amount of goods and services and digital money amount information paid by the electronic wallet to be purchased are recorded and stored; A merchandise discount rate information area 860 in which merchandise type and discount rate set by the merchant in the case of commerce related to goods and services are recorded and stored or the discount rate entered when a dedicated digital currency is issued by the merchant is recorded and stored; A merchant accumulation rate information area 870 in which merchandise types and accumulation rates set by the merchant in the case of commerce related to goods and services are recorded and stored, or accumulation rates entered and stored when a dedicated digital currency is issued by the merchant; A transaction balance information area 880 in which the difference is recorded and stored when the amount of the digital money paid in the transaction related to goods and services exceeds the value of the goods and services as in the settlement amount information area 850; It consists of a refund information area 890 that includes a means for processing a refund according to a product refund request of a trading partner after a product transaction in the electronic wallet for merchants or the electronic wallet for sales users and a refundable period.

Hereinafter, an embodiment of each area of the information storage space format of the digital currency will be described in more detail.

In the distribution (cumulative) information area 810, the record storage target is the issuer (operator of the operating computer) that issued the digital currency, the charging business that is a merchant that charges the digital currency, the company (payer of payment), and the government (tax collection). I) etc. Each subject is only recorded once, and each time a transaction is made, it accumulates a predetermined fee until the digital currency is discarded. Among the subjects, the government collects real-time taxes (value-added taxes and sales taxes) whenever transactions are made in the digital money distribution (cumulative) information area 810, which can be applied in accordance with country-specific VAT (sales tax) calculation criteria. For example, in Korea, the formula for the VAT payment tax is as follows.

Payment Tax = Sales Tax-Purchase Tax-Deduction Tax

When the electronic wallet 500 for the merchant is updated, tax rate information is added to the unique identification information, and when the user (individual) or the selling user (individual) pays for the merchandise (business operator) products and services, the unique identification of the electronic wallet 500 for the merchant It is immediately collected according to the tax rate information of the information (sales tax amount), whereas, when payment of goods and services between operators, the electronic wallet 500 for merchants is immediately refunded according to the tax rate information of the unique identification information (purchase tax).

That is, it can be applied to the electronic wallet for merchants or the digital currency itself in accordance with the criteria for calculating the VAT (sales tax) of each country.

Unlike the distribution (cumulative) information area 810, in which the distribution (single) information area 820 accumulates and distributes a predetermined fee to related parties, the distribution targets related to products and services receive a predetermined fee once. It is a recording and storage area. For example, for distribution targets for the above products and services, the targets are records (producers, composers, writers, performers, singers), books (publishers, authors, subcontractors), taxes (local tax, education tax, environmental tax) It can be a number of people, and it can be a single person.In this way, we want to create a transparent and fair playground where goods and services are traded and a fixed share is distributed to related parties.

Hereinafter, an interlocking concept will be described in the interlocking payment system between the digital currency and the electronic wallet of the present invention.

As soon as the goods and services are sold in the electronic wallet for the merchant or the electronic wallet for the sales user, and the ownership of the digital currency is transferred from the transaction target, the transaction history recording and storage program in the electronic wallet is linked to the information storage space of the digital currency Transaction records are recorded and stored in each area of the form, and the distribution program in the electronic wallet is interlocked to distribute the corresponding amount to the electronic wallet address contained in each unique identification information according to the transaction details in each area. Subsequently, the record distribution storage program in the electronic wallet is interlocked to distribute the transaction records in the electronic wallet and the electronic wallet to be traded. In addition, the unique identification information of the digital money transferred to the ownership is transmitted in connection with the operating computer 100 for real-time monitoring, and at the same time, the total amount of digital money held in accordance with the change in each electronic wallet that has been settled is transferred to the operating computer 100. An interlocking payment system between digital money and electronic wallets is presented.

The interlocked payment system between the digital currency and the electronic wallet of the present invention utilizes the functions and program functions of the electronic wallet for users, the electronic wallet for merchants, and the electronic wallet for sales users. It can be performed without intervening. In addition, in the interlocked payment system between digital currency and electronic wallet, each electronic wallet can extract and utilize only the information required by the user of each electronic wallet set by the operating computer for personal information protection.

For example, age information is extracted into the unique identification code of the e-wallet to make it free for seniors over 65 years old (according to national standards) when using the subway, or free of charge when low-income children eat at any affiliated store (voucher) In order to do so, the government-supported information is extracted to the unique identification code of the e-wallet, or the photo information is extracted to the unique identification code of the electronic wallet in the offline face-to-face transaction, such as checking the signature on the back of the credit card. When transferring money or transferring money, photos and contact information are extracted to the unique identification code of the e-wallet so that the other person can check it, or by taking a taxi, photos and license information are extracted to the unique identification code of the electronic wallet, so passengers can use it with confidence. Anyway. It is a method in which mutually necessary information is extracted by interlocking between the electronic wallet and the target electronic wallet. In other words, an interlocked payment system between digital money and an electronic wallet is proposed in which information extracted in the unique identification code of my electronic wallet varies depending on the target electronic wallet.

14 is a cross-country digital according to the conversion of foreign wallets in electronic wallets for users, electronic wallets for merchants, and electronic wallets for sales users, which are the main parts of the interlocking digital money system of the present invention and electronic wallets interlocked with dedicated digital money. It is a schematic configuration diagram of an embodiment of currency use and linked payment.

As shown in FIG. 14, the system for using digital money between countries according to the international wallet conversion of the present invention is divided into the electronic wallet system 10 of the first station and the electronic wallet system 20 of the second station, and the first station When the electronic wallet system 10 accesses the second station electronic wallet system 20, it shares information with the intermediary operation management unit 6000 (first station user terminal location information and electronic wallet unique identification information, etc.) There is an effect that the user information of the local station is not leaked from the first station electronic wallet system 10 by proxy verification of only the necessary information at the request of the second station operation management unit 7000, which is the counterpart, by the operation management unit 6000. Here, the user refers to the user, the affiliated store, and the selling user, and the user terminal refers to the user terminal, the affiliated terminal, the selling user terminal, as well as the electronic wallet for the user, the electronic wallet for the affiliated store, and the electronic wallet for the selling user.

In the system for using digital money between countries according to the above international wallet conversion, the first country user terminal (1500) accesses the second country operation management department (7000) to charge digital money and receive the goods from the second country user terminal (7500). And the whole process of purchasing and paying for the service is the same as when using it in your home country. The difference is that the first station user terminal 1500 payment information is provided to the first station operation management unit 1000 and the brokerage operation management unit 6000, and the second station user terminal 7500 payment information is the second station operation management unit. (7000) and the brokerage operation management unit (6000). The intermediary operation management unit 6000 can determine whether there is contamination by contrasting mutual payment information, and even if the user is placed in an unusable situation, such as losing the first user terminal 1500, the intermediary operation management unit 6000 ) Can be recharged as much as the amount of digital currency held.

In this way, the use of digital currency and interlocking payment methods between countries that can use services such as direct purchases, overseas remittances, and overseas travel without fees are proposed only by converting the electronic wallets into overseas wallets.

15 is a flowchart for explaining an embodiment of a method of using the linked digital currency of the present invention.

As shown in Figure 15, the method of using the interlocking digital money of the present invention, the user, the merchant, and the selling user use the respective electronic terminal, the electronic wallet for the user, the electronic wallet for the merchant, and the electronic wallet program for the selling user, respectively. Downloading and executing (S100); The operation computer of the operation management unit receives and stores unique identification information and terminal information of the electronic wallet for the user, the electronic wallet for the affiliated store, and the electronic wallet for the selling user executed in the respective terminals of the user, the affiliate store, and the selling user (S101) )Wow; The operation management unit receives the charging request information of the digital money transmitted from the user's electronic wallet of the user terminal, which is set to the amount of money and the number of money, or the digital money for which the user is specified, generates the requested digital money to generate the requested digital money. Transferring ownership to transfer to (S102); The electronic wallet for the user of the user terminal displays the digital money transmitted from the operation management unit or the dedicated digital money by the amount and amount of information storage space (capacity) set by amount, the expiration date and the unique identification code of the digital money. Visually displaying the information it contains (S103); A step in which the electronic wallet for the user of the user terminal is activated by recognizing the electronic wallet for the merchant or the electronic wallet for the selling user (S104); Step (S105) of the electronic wallet for the merchant or the electronic wallet for the sales user is activated in each terminal by recognizing the electronic wallet for the user; Depending on the user's purchase of products and services, if there is a general digital currency corresponding to the merchandise's product and service transaction value in the user's electronic wallet or a dedicated digital currency issued by the merchant, the priority is selected and ownership of the merchant's electronic wallet Payment by transferring (S106); The electronic wallet for the merchant receives and stores the payment information of the product purchase amount of the electronic wallet for the user and the digital money paid, and determines whether the stored digital currency exceeds the purchase price of the product, and if the transaction balance is exceeded, the transaction balance is paid A step S107 of recording and storing in accordance with the digital money information storage space (capacity) format along with a description; A step (S108) of distribution of identification information unique to each subject according to the distribution history recorded in the digital money information storage space (capacity) form; A step (S109) in which the record is distributed and stored in an electronic wallet to be traded; Step (S110) of transmitting the unique identification information of the digital currency transferred to the operation management unit; It comprises a step (S111) in which the total amount of digital money held in accordance with the change in the electronic wallet for the user, the electronic wallet for the merchant, and the electronic wallet for the selling user is transmitted to the operation management unit (S111).

16 is a flow chart for explaining another embodiment of the method of using the interlocking digital money of the present invention.

As shown in Figure 16, the method of using the interlocking digital money of the present invention comprises the steps of activating the electronic wallet for the user of the user terminal and the electronic wallet for the affiliate store of the affiliated terminal (S200); The electronic wallet for the user of the user terminal recognizes the unique identification information of the electronic wallet for the user of the user terminal, or the electronic wallet for the affiliate store of the affiliated terminal or the electronic wallet for the affiliated store of the terminal (S201); The electronic wallet for the user and the electronic wallet for the affiliate display the required information among the information included in each unique identification information through digital currency or by mutually transmitting it to the electronic wallet (S202); In the electronic wallet of the user terminal, if there is a general digital currency corresponding to the merchandise and service transaction value of the affiliated store or a dedicated digital currency issued by the affiliated store, it is selected as the top priority and transfers the ownership to the affiliated electronic wallet to pay; (S203); When the electronic wallet for the merchant receives and stores payment information of the purchase amount of the product of the electronic wallet for the user and the paid digital currency, and determines whether the stored digital currency exceeds the purchase price of the product, the transaction balance is exceeded. Recording and storing the information in accordance with the digital money information storage space (capacity) format (S204); A step (S205) of distribution of identification information unique to each subject according to the distribution history recorded in the digital money information storage space (capacity) form; A step S206 in which the records are distributed and stored in an electronic wallet to be traded; Transmitting the identification information unique to the digital currency to which the ownership is transferred (S207); A step in which the total amount of digital money held in accordance with the change in the electronic wallet for the user, the electronic wallet for the affiliated store, and the electronic wallet for the selling user is transmitted to the operation management unit (S208); The operation management unit comprises a step (S209) of real-time monitoring of all electronic wallets and digital currency distribution channels and unique identification information that are in communication communication.

17 is a flowchart illustrating an embodiment of a payment method between an electronic wallet interlocked with a dedicated digital currency of the present invention.

As shown in Fig. 17, the payment method between the electronic wallets interlocked with the dedicated digital currency of the present invention monitors the location information of the electronic wallet registered in real time by an artificial intelligence computer providing a location-based service to the registered electronic wallet of the operation management department. Step (S300) and; The user terminal with the electronic wallet for the user registered in the operation management unit or the sale user terminal with the electronic wallet for the sales user registered in the operation management unit is located near the affiliated terminal with the electronic wallet for the merchant registered in the operation management unit, When the electronic wallet for the user or the sales user is executed, the affiliate store information stored in the operation management unit operation computer on the screen of the electronic wallet for the user or the sales user as a location-based service from the artificial intelligence computer of the operation management unit in connection with this. Providing (displaying) (taste evaluation, representative picture, contact information, etc.) (S301); An electronic wallet for the user or the selling user interlocking to display the holding status of the digital money exclusively for the affiliated store under the affiliated store information (S302); When the user terminal or the selling user terminal enters the affiliated store and selects a product and service and is located in the settlement terminal payment area equipped with short-range communication means, the affiliated terminal electronic wallet and the user terminal electronic wallet are connected and connected (( S303); A step in which the payment program in the electronic wallet for the user is activated on the user terminal, and the status of possession of general digital money and dedicated digital money is displayed (S304); Outputting a user's photo image on the payment request screen of the affiliated terminal (S305); A step (S306) in which information such as a product, an amount of money, and a photograph image of a member of the affiliated store is converted into payment recognition means and displayed on the affiliated terminal; Step S307 in which the user terminal recognizes payment recognition means displayed on the affiliated terminal and outputs information such as a product, an amount, and a photograph image of the affiliated accountant on the payment request screen of the user terminal (S307); The user confirming payment information on the payment request screen and selecting payment approval (S308); In the electronic wallet of the user terminal, when there is a general digital currency corresponding to the value related to the transaction of the merchant product or a dedicated digital money issued by the merchant, the first priority is selected to transfer ownership to the merchant electronic wallet to pay (S309) Wow; When the electronic wallet for the merchant receives and stores payment information and payment digital money of the purchase amount of the product of the electronic wallet for the user, and determines whether the stored digital currency exceeds the purchase price of the product, the transaction balance is exceeded And recording and storing in accordance with the digital money information storage space (capacity) format (S310); A step (S311) of distributing the identification information unique to each subject according to the distribution history recorded in the digital money information storage space (capacity) form; A step (S312) in which the record is distributed and stored in an electronic wallet to be traded; Transmitting the unique identification information of the digital currency transferred to the operation management unit (S313); The electronic wallet for the user, the electronic wallet for the merchant, and the total amount of digital money held in accordance with the change in the electronic wallet for the sales user are transmitted to the operation management unit (S314).

18 is a flowchart illustrating another embodiment of a payment method between an electronic wallet interlocked with a dedicated digital currency of the present invention.

As shown in Fig. 18, the payment method between the electronic wallets interlocked with the dedicated digital currency of the present invention monitors the location information of the electronic wallet registered in real time by the artificial intelligence computer providing the location-based service to the electronic wallet registered by the operation management department. And the step (S400); If a user terminal with an electronic wallet for a user registered in the operation management department or a sales user terminal with an electronic wallet for a sales user registered in the operation management department enters the unattended store among the electronic wallets for merchants registered in the operation management department, artificial intelligence A computer operating in a payment standby mode for the electronic wallet for the user or the selling user (S401); Operating the electronic wallet for the user or the sales user in a payment standby mode by a short-range communication system in the unmanned store (S402); A step (S403) in which the purchase price of the electronic wallet product for the user or the sales user is calculated by a payment system inside the unmanned store; When the electronic wallet for the user or the sales user passes through the doorway, in the communication system within the unmanned store, the purchase price of the product for the user or the sales user is transmitted to the artificial intelligence computer (S404). Wow; When the electronic wallet for the user or the sales user comes out of the unmanned store, the artificial intelligence computer captures in real time and transmits the purchase price of the product to the electronic wallet for the user or the sales user (S405); When the electronic wallet for the user or the sales user approves the purchase price of the product, the payment includes a step (S406) in which payment is made in an optimal (exclusive) digital currency in each electronic wallet.

19 is a flow chart for explaining another embodiment of a payment method between an electronic wallet interlocked with a dedicated digital currency of the present invention.

As shown in Fig. 19, a payment method between digital wallets linked with a dedicated digital currency of the present invention includes digital wallet user, merchant and sales user information, and electronic wallet information and digital money related information executed in terminals used by them. An operating computer for managing; A digital money distribution computer that manages digital money information such as issuance, charging, distribution, refund and disposal of the digital money; Operation management unit including an artificial intelligence computer that provides location-based services to the electronic wallet and the digital currency real-time monitoring and the electronic wallet, and data storage included in the operation management unit or connected to a communication means to store and manage data A user group including at least one user terminal equipped with an electronic wallet for a user who is in communication with the operation management unit and the affiliated terminal and requests digital issuance or uses or uses digital money, and the operation management unit and A merchant group including at least one merchant terminal equipped with an electronic wallet for merchants used in on / offline merchants that communicates with the user's electronic wallet of the user terminal to perform commerce using digital money and charge digital money; The operation management unit and the user terminal Between electronic wallets using digital money by country, which includes a sales user group that includes at least one sales user terminal equipped with an electronic wallet for sales users that communicates with the electronic wallet for users to conduct commerce using digital money. In a linked payment system,

A step of activating the electronic wallet for the user of the user terminal and the electronic wallet for the affiliated store terminal, the electronic wallet for the selling user of the selling user terminal, and the electronic wallet for the generic user terminal user (S500); A step in which the electronic wallet for the user performs country conversion of the electronic wallet (S501); The operation management department of the home country is the operation management department of the first country, the operation management department of the converted country is the operation management department of the second country, and the intermediary operation management department and each of the electronic wallets that mediate the operation management department of the first country and the operation management department of the second country Interlocked and connected (S502); A step in which the electronic wallet converted to the corresponding country is translated and displayed in the native language, and real-time exchange rate information is applied to the total amount of cash held and the amount not charged (S503); The operation management department of the first country shares the unique identification information of the electronic wallet for the user with the brokerage operation management department, and the operation management department of the second station requests the general digital currency or the exclusive digital currency charging of the digital wallet for the user. Receiving and confirming whether there is a problem with the electronic wallet information for the user in the intermediary operation management unit (S504); If there is no problem with the electronic wallet information for the user, transferring the ownership to the electronic wallet for the user according to the charge amount of the digital wallet for the user (S505) in the operation management department of the second station (S505); A step (S506) of recognizing the affiliate payment means for the purchase of goods and services by the electronic wallet for the user in the affiliated store registered with the operation management department of the second country (S506); In the electronic wallet for the user, when there is a general digital currency corresponding to the merchandise transaction-related value or a dedicated digital currency issued by the affiliate, it is selected as the top priority and transfers the ownership to the electronic wallet for the affiliate merchant to pay (( S507); When the electronic wallet for the merchant receives and stores payment information of the purchase amount of the product of the electronic wallet for the user and the paid digital currency, and determines whether the stored digital currency exceeds the purchase price of the product, the transaction balance is exceeded. A step (S508) of recording and storing in accordance with the digital money information storage space (capacity) format together with a description; A step (S509) of distributing the identification information unique to each subject according to the distribution history recorded in the digital money information storage space (capacity) form; A step (S510) in which the record is distributed and stored in the electronic wallet for the user and in the operation management unit and the intermediary operation management unit of the second station; A step (S511) in which the records stored in the electronic wallet for the user are distributed and stored in the operation management unit and the intermediary operation management unit of the first station; A step (S512) of verifying whether there is an abnormality by comparing the records sent from the electronic wallet for merchants of the second country and the electronic wallet for users of the first country by an intermediary operation management unit; A step (S513) of transmitting the identification information of the digital currency transferred to the electronic wallet for the affiliated store to the operation management department and the brokerage operation management department of the second country; In the electronic wallet for the user, the total amount of digital money held in accordance with the change is transmitted to the first country operation management unit and the intermediary operation management unit (S514).

The embodiments of the present invention described above are only a part of various embodiments of the present invention. The operating computer of the present invention issues or charges digital money, but distribution and profit distribution of digital money are included in the information included in the digital money and the electronic wallet for users and the electronic wallet for merchants (or electronic wallet for sales users). When the information is mutually checked and it is confirmed that the digital money is not contaminated, various embodiments corresponding to the technical idea of the interlocking payment system between the digital money and the electronic wallet made immediately between the electronic wallets are included in the protection scope of the present invention. It is natural.

1000: Operations Management Department
100: operating computer
200: digital currency distribution computer
900: artificial intelligence computer
2000: data storage
300: data storage device
400: electronic wallet for users
500: Electronic wallet for merchants
600: electronic wallet for sales users

Claims (20)

An electronic wallet for at least one user performing an issuance or charging request of an interlocked digital currency executed in a user terminal connected to a communication means with the operation management unit and the communication unit, and performing commerce using the charged interlocked digital currency; E-wallet for at least one merchant that runs on the operation management unit and the merchant terminal connected by communication means with the user terminal and charges the electronic wallet for the user with interlocked digital money and trades with the user electronic wallet with the interlocked digital currency. In the system comprising;
The interlocking digital currency is charged to the user electronic wallet for each unit of money,
Commerce using the interlocked digital currency is performed in the user's electronic wallet and affiliated electronic wallet without intervention of the operation management department, but recognizes unique identification information of the user electronic wallet and the affiliated electronic wallet. ,
In the user's electronic wallet, an interlocked digital currency in the optimal amount of money compared to the purchased product or service value is selected, transferred and ownership is transferred to the electronic wallet for the merchant, and the amount of the linked digital money in the selected amount unit is the product and service. When the purchase price of the store is exceeded, the transaction balance information exceeded in the electronic wallet for the merchant is transferred to an uncharged area where uncharged amount information capable of charging the interlocking digital money of the user electronic wallet is stored and ownership is transferred. And
The electronic wallet for the affiliate store recognizes unique identification information of the linked digital money whose ownership is transferred from the electronic wallet for the user, and the information storage space (capacity) of the linked digital money by the affiliate program of the electronic wallet for the affiliate store The transaction history is recorded in each area of the transaction, and profit is distributed to each distribution target based on the record, and payment processing is completed when there is no error in the distribution being stored in the user electronic wallet. Interlocking digital money system. The method according to claim 1,
The electronic wallet for merchants records transaction records and profit distribution information in the information storage space set in the interlocking digital currency of the transaction amount of ownership transferred from the user electronic wallet upon completion of payment, and is distributed to the electronic wallet for the user. Interlocked digital money system characterized by storing. The method according to claim 2,
The electronic wallet for the merchant transfers ownership of the linked digital money of the corresponding amount according to the distribution ratio set by the user electronic wallet and the operation management unit according to the revenue distribution information recorded in the information storage space of the linked digital currency, or An interlocking digital money system characterized by transferring cash. The method according to claim 2,
In the revenue distribution information recorded in the information storage space of the interlocking digital currency, the revenue information is generated according to the commission rate for the transaction product set by the merchant electronic wallet. delete The method according to claim 1,
The interlocked digital currency system used in the transaction is a general interlocked digital currency that can be used in all affiliated stores and a dedicated interlocked digital currency system that can be used for a specific merchant or a specific kind of purpose. . The method according to claim 1,
The interlocking digital currency is displayed on the interlocking digital money display screen of the user electronic wallet and the affiliated electronic wallet,
A holding number display unit for each money unit that is displayed separately for each money unit of the interlocking digital money and displays the number of holdings for each money unit; An information storage capacity display unit in which information storage capacity (space) in which corresponding information is recorded according to usage and payment, etc. from the issuance or charging of the linked digital money, which is set for each amount unit of the interlocking digital money, is displayed; An information storage space display unit for visually displaying an information storage space in which corresponding information is recorded according to usage and payment, etc. from issuance or recharging of the interlocked digital money set for each amount unit of the interlocked digital currency; A usage space (capacity) display unit for visually displaying a space (capacity) used by information recording among the information storage spaces; An available space (capacity) display unit for visually displaying the remaining space (capacity) that can be used by information recording among the information storage spaces; A unique identification information display unit for displaying unique identification information such as a QR code of the interlocked digital money, which is assigned to each unit of money or electronic wallet when the interoperable digital money is issued or charged by the operation management unit; When the operation management unit issues or charges the interlocking digital money, the interlocking digital money system, characterized in that it includes a shelf life display unit for displaying the expiration date (use) set in the interlocking digital money for each unit of money. The method according to claim 1,
The interlocking performed through the interlocking digital currency of the electronic wallet for the user and the electronic wallet for the affiliate store, the electronic wallet for the user recognizes the unique identification information of the electronic wallet for the merchant, and pays in the electronic wallet for the user Select the interlocked digital currency to store, store some of the user information in the selected interlocked digital currency, transmit it to the electronic wallet for the merchant, and send the user's information stored in the interlocked digital currency where the electronic wallet for the merchant has been transmitted. An interlocking digital money system characterized by being checked. The method according to claim 1,
The interlocking performed by the user electronic wallet and the affiliated electronic wallet through the interlocking digital currency, the affiliate electronic wallet recognizes the unique identification information of the user electronic wallet, and pays in the user electronic wallet Select the interlocked digital currency to store, store some of the user information in the selected interlocked digital currency, transmit it to the electronic wallet for the merchant, and send the user's information stored in the interlocked digital currency where the electronic wallet for the merchant has been transmitted. An interlocking digital money system characterized by being checked. The method according to claim 1,
The operation management unit further comprises an artificial intelligence computer that provides real-time monitoring of the electronic wallet for the user and the interlocked digital currency and provides a location-based service to the electronic wallet for the user. The method according to claim 10,
The artificial intelligence computer,
An electronic wallet monitoring unit for real-time monitoring of unique identification information of electronic wallets for users, merchants, and sales users, which are connected to the operation management unit in communication; A digital money monitoring unit that monitors in real time the unique identification information of the digital money going between the electronic wallets that are connected to the operation management unit in communication; When the electronic wallet for the user and the electronic wallet for the sales user connected to the operation management unit are activated, location-based service providing location-based services provided to nearby electronic stores for the user electronic wallet and the electronic wallet for sales users Interlocked digital money system, characterized in that it comprises a service unit. The method according to claim 10,
In the case of commerce, the affiliate store information and the corresponding digital money holding information are displayed in the electronic wallet for the user or the electronic wallet for the selling user in conjunction with the electronic wallet for the affiliated store as a location-based service or short-range communication means of the artificial intelligence computer. An interlocked digital money system characterized in that the optimal dedicated digital money related to the merchants owned by the wallet or electronic wallet for sale users is selected and processed. The method according to claim 10,
When the purchaser's electronic wallet or the selling user's electronic wallet is located at an unmanned store that is a merchant for commerce, the artificial intelligence computer's location-based service and short-range communication means interlock with the merchant's electronic wallet, and trade goods at the unmanned store. Payment is not made immediately, i.e., if the purchaser comes out of the unmanned store even if no payment is made in the electronic wallet for the user or the electronic wallet for the selling user, the electronic wallet for the user or the electronic wallet for the selling user Interlocked digital money system, characterized in that the product price is charged. The method according to claim 6,
The electronic wallet for the merchant has a dedicated digital money issuing request means for requesting the issuance of a dedicated digital currency to the operation management unit, and the operations management unit receives the issuance information of the desired dedicated digital money input to the electronic wallet for the merchant. By interlocking digital money system, characterized in that for issuing a dedicated digital currency. The method according to claim 14,
The operation management unit receives the setting information of the application range of the dedicated digital money inputted to the electronic wallet for the affiliated store, and issuing a dedicated digital currency. A user, a merchant, and a sales user, using the respective terminals to download and execute the electronic wallet for the user, the electronic wallet for the merchant, and the electronic wallet for the sales user, respectively; Receiving and storing unique identification information and terminal information of an electronic wallet for a user, an electronic wallet for an affiliated store, and an electronic wallet for a selling user executed in each terminal of the user, the affiliated store, and the selling user by the operating computer of the operation management unit; The operation management unit receives the charging request information of the digital money transmitted from the user's electronic wallet of the user terminal, which is set as the amount and the number of each amount, or a dedicated digital currency where the user is specified, generates the requested digital money, and generates the requested digital money. Transferring ownership to the transfer; The electronic wallet for the user of the user terminal displays the information storage space (capacity), the expiration date and the unique identification code of the digital money, which are set by the amount and the amount of the digital money transmitted from the operation management unit by amount and amount. Visually displaying the information it contains; A step in which the electronic wallet for the user of the user terminal is activated by recognizing the electronic wallet for the merchant or the electronic wallet for the selling user; A step in which the electronic wallet for the merchant or the electronic wallet for the sales user is recognized and activated at each terminal; Depending on the user's product and service purchase, if there is a general digital currency corresponding to the merchandise product and service transaction value of the merchant in the electronic wallet for the user or a dedicated digital currency issued by the merchant, it is selected as the highest priority and added to the electronic wallet for the merchant. Payment by transferring ownership; The electronic wallet for the merchant receives and stores payment information of the purchase amount of the product for the user's electronic wallet and the stored digital currency, and determines whether the stored digital currency exceeds the purchase price of the product, and if the transaction balance is exceeded, the transaction balance is settled And the step of recording and storing in accordance with the form of the information storage space (capacity) of the digital currency; A step of distribution of identification information unique to each subject in accordance with the distribution history recorded in the form of information storage space (capacity) of the digital currency; Distributing and storing the record in an electronic wallet to be traded; Transmitting the identification information unique to the digital currency to which the ownership is transferred; A method of using interlocked digital money, comprising the step of transmitting the total amount of digital money held in accordance with the change in the electronic wallet for the user, the electronic wallet for the merchant, and the electronic wallet for the selling user, after payment is completed. A step in which the electronic wallet for the user of the user terminal and the electronic wallet for the affiliated store of the affiliated terminal are activated; An electronic wallet for the user of the user terminal recognizing the unique identification information of the electronic wallet for the affiliated store of the affiliated terminal, or an electronic wallet for the affiliated store of the affiliated terminal; A step in which the electronic wallet for the user and the electronic wallet for the affiliates display the necessary information among the information included in each unique identification information on the electronic wallet through digital currency or by mutual transmission; When there is a general digital currency corresponding to the merchandise product and service transaction value of the affiliated store or a dedicated digital currency issued by the affiliated store in the user's electronic wallet of the user terminal, the priority is selected and transferred to the affiliated electronic wallet for payment A step of doing; The electronic wallet for the merchant receives and stores payment information of the purchase amount of the product for the user's electronic wallet and the stored digital currency, and determines whether the stored digital currency exceeds the purchase price of the product, and if the transaction balance is exceeded, the transaction balance is settled And the step of recording and storing in accordance with the form of the information storage space (capacity) of the digital currency; A step of distribution of identification information unique to each subject in accordance with the distribution history recorded in the form of information storage space (capacity) of the digital currency; Distributing and storing the records in an electronic wallet to be traded; Transmitting the identification information unique to the digital currency to which the ownership is transferred; A step in which the total amount of digital money held in accordance with the fluctuation in the electronic wallet for the user and the electronic wallet for the affiliated store is transmitted to the operation management unit after payment is completed; A method of using interlocked digital money, comprising the step of real-time monitoring of all electronic wallets and digital currency distribution channels and unique identification information that are in communication communication with the operation management unit. An artificial intelligence computer that provides a location-based service to the electronic wallet registered by the operation management unit, monitoring the location information of the electronic wallet registered in real time; The user terminal with the electronic wallet for the user registered in the operation management unit or the sale user terminal with the electronic wallet for the sales user registered in the operation management unit is located near the affiliated terminal with the electronic wallet for the merchant registered in the operation management unit, When the electronic wallet for the user or the electronic wallet for the selling user is executed, it is stored in the operating computer of the operation management unit on the screen of the electronic wallet for the user or the selling user as a location-based service from the artificial intelligence computer of the operation management unit in connection with this. Providing (displaying) the affiliate store information; Displaying the status of the electronic wallet of the merchant exclusively in the digital wallet under the affiliate store information by interlocking the electronic wallet for the user or the electronic wallet for the selling user; The user terminal or the selling user terminal enters the affiliated store and selects products and services, and then is located in the payment area of the affiliated terminal equipped with short-range communication means, thereby allowing the electronic wallet for the affiliated store and the electronic wallet for the user of the user terminal. Interlocked and connected; A step in which a payment program in a user's electronic wallet is activated on the user terminal, and the status of holding general digital money and dedicated digital money is displayed; Outputting a user's photo image on the payment request screen of the affiliated terminal; A step in which information such as a product and an amount of money and a photograph image of a member of the affiliated store is converted into payment recognition means and displayed on the affiliated terminal; A step in which the user terminal recognizes payment recognition means displayed on the affiliated terminal and outputs information such as a product, an amount, and a photograph image of an affiliated accountant on the payment request screen of the user terminal; The user confirming payment information on the payment request screen and selecting payment approval; When the user's electronic wallet of the user terminal has a general digital currency corresponding to the transaction price of the affiliated store or a dedicated digital currency issued by the affiliate, it is selected as the top priority and transfers the ownership to the affiliated electronic wallet for payment. Wow; When the electronic wallet for the merchant receives and stores the payment information and payment digital currency of the purchase amount of the product for the user electronic wallet, and determines whether the stored digital currency exceeds the purchase price of the product, and if the transaction balance is exceeded, the transaction balance Recording and storing in accordance with the form of the information storage space (capacity) of the digital money together; Distributing the unique identification information of each subject according to the distribution history recorded in the form; Distributing and storing the record in an electronic wallet to be traded; Transmitting the identification information unique to the digital currency to which the ownership is transferred; Payment method of the electronic wallet interlocked with the dedicated digital currency, comprising the step of transmitting the total amount of digital money held in accordance with the change in the electronic wallet for the user, the electronic wallet for the merchant, and the electronic wallet for the selling user. An artificial intelligence computer that provides a location-based service to the electronic wallet registered by the operation management unit, monitoring the location information of the electronic wallet registered in real time; The user terminal with the electronic wallet for the user registered in the operation management department or the sales user terminal with the electronic wallet for the sales user registered in the operation management department to the unmanned store among the affiliated terminal with the electronic wallet for the merchants registered in the operation management department. Operating an artificial intelligence computer in a payment standby mode for the user electronic wallet or the electronic wallet for the sales user when entering the installed merchant terminal; Calculating the purchase price of the electronic wallet for the user or the electronic wallet for the selling user by a payment system inside the unmanned store; When the electronic wallet for the user or the electronic wallet for the selling user comes out of the unmanned store, the artificial intelligence computer captures in real time and transmits the purchase price of the product to the electronic wallet for the user or the electronic wallet for the selling user; When the electronic wallet for the user or the electronic wallet for the selling user approves the purchase price of the product, among the exclusive digital currency possessed by the electronic wallet for the user or the electronic wallet for the seller, the optimal dedicated digital compared to the purchase price of the product by price unit or use A step in which currency is selected and transferred to an electronic wallet for an affiliate store of the unmanned store, and ownership is transferred to make payment; The electronic wallet for the merchant receives and stores the payment information of the purchase price of the user's electronic wallet or the electronic wallet for the seller and the dedicated digital money paid, and judges whether the stored dedicated digital money exceeds the purchase price of the product If the transaction balance is recorded and stored in accordance with the form of the information storage space (capacity) of the dedicated digital currency with the payment details; A step of distribution of identification information unique to each subject in accordance with the distribution history recorded in the form of information storage space (capacity) of the digital currency; Distributing and storing the record in an electronic wallet to be traded; Transmitting the unique identification information of the dedicated digital currency to which the ownership is transferred is transmitted to the operation management unit; Payment method of the electronic wallet interlocked with the dedicated digital currency, comprising the step of transmitting the total amount of digital money held in accordance with the change in the electronic wallet for the user, the electronic wallet for the merchant, and the electronic wallet for the selling user. An operating computer for managing digital money user, merchant and sales user information, electronic wallet information executed on terminals used by them, and digital money related information; A digital money distribution computer that manages digital money information such as issuance, charging, distribution, refund and disposal of the digital money; Operation management unit including an artificial intelligence computer that provides location-based services to the electronic wallet and the digital money real-time monitoring and the electronic wallet, and data storage included in the operation management unit or connected to a communication means to store and manage data A user group including at least one user terminal equipped with an electronic wallet for a user who is connected to the operation management unit and the affiliated terminal in communication and requests to issue digital money or uses or credits digital money, and the operation management unit and A merchant group comprising at least one merchant terminal equipped with an electronic wallet for merchants used in on / offline merchants that communicates with the user's electronic wallet of the user terminal and performs commerce using digital money and charging of digital money, and Of the operation management department and the user terminal Interlocked payment between digital wallets using digital money by country, which includes a sales user group that includes at least one sales user terminal equipped with an electronic wallet for sales users that communicates with the electronic wallet for users to conduct commerce using digital money. In the system,
A step in which the electronic wallet for the user of the user terminal and the electronic wallet for the affiliated store of the affiliated terminal, the electronic wallet for the selling user of the selling user terminal, and the electronic wallet for the user of the generic user terminal are activated; The electronic wallet for the user performing a national conversion of the electronic wallet; The operation management department of the first country is the operation management department of the first country, the operation management department of the converted country is the operation management department of the second country, and the intermediary operation management department and each of the electronic wallets that mediate the operation management department of the first country and the operation management department of the second country Interlocked and connected; A step in which the electronic wallet converted to the corresponding country is translated and displayed in the native language, and real-time exchange rate information is applied to the total amount of cash held and the amount of unfilled money to be exchanged and displayed in units of the corresponding country; The operation management department of the first country shares the identification information of the user's electronic wallet with the brokerage operation management department, and the operation management department of the second country requests the general digital currency or the exclusive digital currency charging of the user electronic wallet. Receiving and checking whether there is a problem with the user electronic wallet information in the intermediary operation management unit; Transferring the ownership to the electronic wallet for the user according to the charge amount of the digital wallet for the user in the operation management department of the second country when there is no problem with the electronic wallet information for the user; Recognizing the payment method of the affiliate store for purchasing goods and services by the user electronic wallet at the affiliate store registered with the second country operation management department; In the electronic wallet for the user, when there is a general digital currency corresponding to the transaction price of the affiliated store or a dedicated digital currency issued by the affiliated store, it is selected as the top priority and transfers the ownership to the affiliated electronic wallet of the affiliated store for payment. Wow; The electronic wallet for the merchant receives and stores payment information of the purchase amount of the product for the user's electronic wallet and the stored digital currency, and determines whether the stored digital currency exceeds the purchase price of the product, and if the transaction balance is exceeded, the transaction balance is settled And the step of recording and storing in accordance with the form of the information storage space (capacity) of the digital currency; A step of distribution of identification information unique to each subject in accordance with the distribution history recorded in the form of information storage space (capacity) of the digital currency; A step in which the records are distributed and stored in the electronic wallet for the user and in the operation management department and the brokerage operation management department of the second station; A step in which the records stored in the user electronic wallet are distributed and stored in the first station operation management unit and the brokerage operation management unit; Verifying the presence or absence of an abnormality by comparing the records sent from the electronic wallet for merchants of the second country and the electronic wallet for users of the first country by the intermediary operation management department; Transmitting the identification information unique to the digital money transferred to the electronic wallet for the affiliate store to the operations management department and the brokerage operations management department of the second country; A payment method between electronic wallets interlocked with a dedicated digital currency, comprising the step of transmitting the total amount of digital money held in accordance with the change in the user electronic wallet for which payment has been completed to the operation management department and the intermediary operation management department of the first country.

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