KR102108822B1 - System for processing payment by using electronic gift certificate - Google Patents

Abstract

The present invention issues an electronic voucher associated with an invoice, stores and manages the distribution transaction information in the process of being distributed by use or transfer of the issued electronic voucher to secure transparency in the transaction, and prevents the omission of sales based on the invoice It relates to a payment processing system using an electronic voucher that can.
In order to solve the above problems, a payment settlement processing system using an electronic voucher according to the present invention includes a provider terminal that creates a request based on input purchase information and transmits the completed request; A purchaser terminal that performs payment for a request sent from the provider terminal; An operation service server that manages the electronic wallet of the provider and the electronic wallet of the buyer, issues an electronic gift certificate by checking the deposit history for payment of payment from the purchaser terminal, and transmits the issued electronic gift certificate to the electronic wallet of the buyer; And a financial server that performs payment with the transaction bank account or credit card information of the buyer based on the payment of the payment received from the buyer terminal, and the electronic voucher is sent to the electronic wallet of the buyer, and then the Characterized in that it is transmitted to the provider's electronic wallet.

Description

Payment system using electronic voucher {SYSTEM FOR PROCESSING PAYMENT BY USING ELECTRONIC GIFT CERTIFICATE}

The present invention relates to a payment and settlement processing system using an electronic voucher, and more specifically, to issue an electronic voucher associated with an invoice and to store distribution transaction information in the process of being distributed by use or transfer of the issued electronic voucher. It relates to a payment settlement processing system using an electronic voucher that can manage and secure transparency in transactions, and prevent omission of sales based on invoices.

Recently, as the use of electronic money has become widespread, electronic gift certificates similar to offline gift certificates have appeared.

An electronic voucher is a voucher that has the meaning of money corresponding to a certain amount, and a buyer purchases an electronic voucher by paying a certain amount online or offline and then presents or uses the electronic voucher to the person who wants to present the voucher. It has a currency function, such as payment by payment.

As one of the techniques for selling such an electronic voucher, an electronic voucher sale server and a method thereof are disclosed in Korean Patent Publication No. 10-1723734.

The technology includes URL transmission means for transmitting an electronic voucher URL to a terminal corresponding to the received MDN information when payment is completed and MDN information to be received is received from a specific terminal; Receiving means for receiving the electronic voucher usage information generated by inputting an authentication number from a terminal connected through the electronic voucher URL; And electronic voucher sending means for transmitting electronic voucher information if the authentication number of the electronic voucher use information received by the receiving means matches a preset authentication number to a terminal accessed through the electronic voucher URL. Characterized in that it comprises a server.

However, the above technology has an advantage in that security is enhanced during sales and transactions as the electronic voucher is sold and traded through the authentication number using the URL, but a problem arises in that a URL must be newly generated for each sale or transaction.

In addition, as a technology for trading an electronic voucher, a method and system for transmitting and receiving an electronic voucher have been disclosed in Patent Publication No. 10-1837050.

The technology authenticates the first user, provides a list of electronic vouchers based on information about the store and information of the first user, and stores the terminal that receives the selection of the first user, and the information of the first user in connection with the store terminal It characterized in that it comprises an electronic voucher management server for transmitting the electronic voucher to the determined mobile terminal, and determines the mobile terminal to be transmitted to the selected electronic voucher.

However, the above technology has a problem in that a separate authentication procedure is not constituted in the process of transmitting an electronic voucher, so that the capital source is ambiguous and illegal distribution may occur.

In addition, it is difficult to check the transaction history between the trading partners when paying for tax invoices or bills, and there is a problem in that taxes can be artificially omitted due to authenticity and false reporting on the report.

KR 10-1723734 B1 (March 30, 2017) KR 10-1837050 B1 (March 05, 2018)

The present invention was created to solve the problems of the prior art, and the problem to be solved in the present invention is to pay using an electronic voucher by performing payment with an electronic voucher using an electronic wallet associated with a user account. It is to provide a payment settlement processing system using an electronic voucher that can process payment.

In addition, it is to provide a payment settlement processing system using an electronic voucher that can check transaction history of issuance and distribution of an electronic voucher through distribution information of the electronic voucher and prevent omission of tax information.

In order to solve the above problems, a payment settlement processing system using an electronic voucher according to the present invention includes a provider terminal that creates a request based on input purchase information and transmits the completed request; A purchaser terminal that performs payment for a request sent from the provider terminal; An operation service server that manages the electronic wallet of the provider and the electronic wallet of the buyer, issues an electronic gift certificate by checking the deposit history for payment of payment from the purchaser terminal, and transmits the issued electronic gift certificate to the electronic wallet of the buyer; And a financial server that performs payment with the transaction bank account or credit card information of the buyer based on the payment of the payment received from the buyer terminal, and the electronic voucher is sent to the electronic wallet of the buyer, and then the Characterized in that it is transmitted to the provider's electronic wallet.

Here, the operation service server includes a first service server for creating and managing the electronic wallet of the provider and the electronic wallet of the buyer; A second service server that stores and manages the received request, the provider's information, and the buyer's information; And a third service server that issues the electronic voucher and processes payment for the provider's payment request.

In addition, the purchase information includes provider information including an identification code, business registration number, address, and telephone number for the provider; It may include service information including purchase items, amounts, and dates, and purchaser information including an identification code, business registration number, address, and phone number for the buyer.

In addition, the electronic voucher is characterized in that the block consisting of block header, block hash, transaction information and purchase information is a data block connected in a chain manner.

In addition, the transaction information is characterized in that it includes the provider information, the buyer information, the amount of the electronic voucher, the amount of fees and transaction date information.

According to the present invention, the distribution information and the goods (or services) of the electronic gift certificate can be purchased without the spatial and temporal restrictions on the purchase of the electronic gift certificate, and the payment for the request for the goods or services is used as the electronic gift certificate of the electronic wallet. ) It has the advantage of ensuring the transparency of transactions.

In addition, since the distribution information of the electronic voucher can be checked, there is an advantage in that transparency of tax can be secured by preventing omission of information on a tax invoice or VAT.

1 is an overall configuration diagram of a payment processing system using an electronic voucher according to the present invention.
2 is a block diagram of a payment application applied to a payment processing system using an electronic voucher according to the present invention.
3 is a block diagram of an operational service server applied to a payment processing system using an electronic voucher according to the present invention.
4 is a diagram showing the internal information of the electronic voucher of the block chain method applied to the payment processing system using an electronic voucher according to the present invention.
5 is a view showing a process of combining (a) and dividing (b) of an electronic voucher applied to a payment processing system using an electronic voucher according to the present invention.

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

The present invention issues an electronic voucher associated with an invoice, stores and manages the distribution transaction information in the process of being distributed by use or transfer of the issued electronic voucher to secure transparency in the transaction, and prevents the omission of sales based on the invoice It relates to a payment processing system using an electronic voucher that can.

1 is a view showing the overall configuration of a payment processing system using an electronic voucher according to the present invention.

1, the payment processing system using an electronic voucher according to the present invention includes a provider terminal 100, a purchaser terminal 200, an operation service server 300, a financial server 400 and an IRS server 500 ).

The provider terminal 100 and the purchaser terminal 200 are mobile terminals capable of installing payment and payment applications according to the present invention and equipped with a wired / wireless communication function, PDC (Personal Digital Cellular) phone, PCS (Personal Communication Service) phone , PHS (Personal Handyphone System) phone, CDMA-2000 (1X, 3X) phone, WCDMA (Wideband CDMA) phone, Dual Band / Dual Mode phone, GSM (Global Standard for Mobile) phone, MBS (Mobile Broadband System), portable devices that may include communication functions such as DMB (Digital Multimedia Broadcasting) phones, Smart phones, cell phones, PDAs (Personal Digital Assistant), hand-held PCs, Laptop computers, laptop computers, portable terminals such as WiBro terminals, MP3 players, MD players, and IMT-2000 (International Mobile Telecommunication-2000) terminals that provide international roaming and extended mobile communication services. Containing A portable electrical and electronic device that refers to all types of handheld wireless communication devices, such as Code Division Multiplexing Access (CDMA) module, Bluetooth module, infrared communication module (Infrared Data Association), wired / wireless LAN card, and GPS (Global) In order to enable position tracking through a positioning system, a predetermined communication module, such as a wireless communication device equipped with a GPS chip, may be provided, and a terminal capable of performing a certain computational operation by mounting a microprocessor is generally referred to as a terminal.

The provider terminal 100 performs a function of creating a request based on the input purchase information and transmitting the created request.

That is, the purchase information transmitted from the purchaser terminal 200 to be described later is input from the interface displayed by the activation of the installed payment application, and a request for the input purchase information is created and transmitted.

Here, the provider may be made up of a supplier (company) that supplies the goods, an intermediary in charge of transporting the goods, a service-related worker who provides services, etc., wherein the purchase information includes information on the purchase of goods, information on service services, etc. The request may be made of a tax invoice, a product bill, a service provision bill, or a service use bill.

Specifically, the purchase information includes identification information for the provider, provider information including the business registration number, address, and phone number, service information including the purchase item, amount, and date, and identification code for the buyer, business registration number It can be configured to include buyer information, including address, phone number.

The purchaser terminal 200 performs a function of performing payment for the request sent from the provider terminal.

Here, the buyer is a consumer or a beneficiary who receives a service, and means a person who receives goods or receives services through a certain payment.

In other words, the provider and the purchaser refer to the supplier and the recipient, and the provider terminal 100 and the purchaser terminal 200 may change depending on the movement direction of the supplied product or in connection with a third terminal. have. That is, of course, it can be changed from a provider to a buyer or from a buyer to a provider.

The operation service server 300 manages the electronic wallet of the provider and the electronic wallet of the buyer, checks the deposit history for payment of payment from the purchaser terminal, issues an electronic gift certificate, and issues the issued electronic gift certificate to the purchaser's electronic wallet. To perform the transfer function. At this time, the operation service server 300 may be configured to generate a predetermined fee for issuance of an electronic voucher or a request for payment of an electronic voucher.

The financial server 400 provides services for various financial transactions such as remittance or transfer of funds by request of Internet banking, mobile banking, etc. in connection with the banking business, and payment processing by credit information. Performs a function of performing payment with the transaction bank account or credit card information of the buyer based on the payment of the payment received from the buyer terminal.

The IRS server 500 stores and manages the request provided by the operation service server 300, provides tax information, and approves tax information for the request.

Here, a payment application installed on the provider terminal 100 and the purchaser terminal 200 will be described.

The payment application provides information on the creation of the request, and provides an interface such as transmission of the created request and payment request for the issued electronic voucher, to perform a payment processing system using an electronic voucher according to the present invention As such, it is configured to be downloaded and installed on the terminal through the operation service server or app store.

In this case, the payment application is divided into a provider-side logic that performs payment and payment related to a provider and a buyer-side logic that performs payment and payment related to a buyer, and performs a function for payment through each logic. .

2 is a view showing the configuration of a payment application applied to a payment processing system using an electronic voucher according to the present invention.

2, the payment settlement application 600 applied to the payment settlement processing system using an electronic voucher according to the present invention includes a provider information storage unit 610, a request writing unit 620, and a payment request unit 630 Consists of a provider-side logic including, and a buyer-side logic including a buyer information storage unit 660 and a payment unit 670.

The provider information storage unit 610 and the purchaser information storage unit 660 store and manage information about the user. In the user information, if the user is a business, a business registration number, business name (corporation name), business address, and representative's name , Business status, item and stamp image, and if the user is an individual, a resident registration number and address may be included.

In this case, the user information stored in the provider information storage unit 610 and the buyer information storage unit 660 may be configured to be commonly used when the user information is the same. Can be configured.

Meanwhile, activation of the payment application may be achieved by inputting user (provider or purchaser) information.

That is, the payment payment application can be configured to be activated by a normal login using an identification code for a general user, an identification certificate, a biometric input, and the like.

When the payment application is activated using an identification code, information stored in the provider information storage unit 610 and the buyer information storage unit 660 may be configured to be received and stored from the operation service server 300. have.

In general, the provider information storage unit 610 and the buyer information storage unit 660 may be configured to use a memory provided in a terminal, but may provide provider information and buyer information from the operation service server 300 through an identification code. When configured to receive, the provider information storage unit 610 and the buyer information storage unit 660 may be configured to use the temporary memory of the terminal, and the information stored in the temporary memory is deleted as the payment application is deactivated. It can be configured as possible.

The request writing unit 620 includes a request writing interface for creating a request and a request sending interface for transmitting the created interface, and performs a function of creating a request and transmitting the created request.

If the above request is a tax invoice, the request creation interface displays the same items as the screen for creating a tax invoice that is generally shown, and items, specifications, quantities, unit price, supply value, and tax amount can be written in each item. An empty space is provided, and a selection button for selecting a bill / receipt for selecting whether to pay may be displayed.

In addition, even if the request is a product bill, service provision bill, or service use bill, it can be configured to display a suitable interface in response to each request.

The payment request unit 630 is for converting an electronic gift certificate existing in the electronic wallet into an amount, and the electronic gift certificate selected in the electronic wallet by the payment request is transmitted to the operation service server 300.

Here, the electronic voucher transmitted for the payment request of the payment request unit 630 includes information of the final payment requester (provider). At this time, the final payment requester's information includes, upon request, the identification code of the user who finally owns the electronic voucher, the user's financial account number, and the request time.

The electronic voucher transmitted to the operation service server 300 at the request of the payment request unit 630, after undergoing the verification process, corresponds to the electronic voucher with the financial account number of the user using the financial server 400 The amount is configured to be deposited.

The payment unit 670 corresponding to the buyer-side logic requests the operation service server 300 to issue an electronic gift certificate of the amount corresponding to the request using the financial server 400 for the received request, and It performs the function of providing a payment progress interface that can proceed with payment according to the issue.

Here, the payment processing interface displays information on payment processing by credit information, which is an interface for various financial transactions such as remittance or transfer of funds by request of Internet banking, mobile banking, etc., through which payment can be made. It is configured to perform payment according to the information entered in.

Next, the operation service server 300 will be described.

3 is a view showing the configuration of an operating service server applied to a payment processing system using an electronic voucher according to the present invention.

3, the operation service server includes a first service server 310, a second service server 320, and a third service server 330.

The first service server 310 creates and manages an electronic wallet of a provider and an electronic wallet of a buyer.

An electronic wallet for the provider or purchaser is generated by the provider or purchaser accessing the first service server 310 through a communication network using each terminal to perform user authentication.

The user authentication may be achieved through inputting user personal information, company information for preparing a request, account information, and credit information, and through an approval process.

More specifically, a user identification system operated by the government may be used for user authentication. That is, a user authentication based on input information such as a user's resident registration number, real name, bank account information, and credit card information may be configured using a real name verification system.

When the user authentication is completed, the first service server 310 creates an account of the user, and creates an electronic wallet of the user associated with the created account.

The second service server 320 stores and manages the request received from the purchaser and information of the provider and the purchaser, and manages transaction information such as transmission and reception of the received request or electronic voucher.

At this time, the second service server 320 is configured to be transmitted after a request or an electronic voucher to be transmitted and received is signed with a secret key.

The third service server 330 issues the electronic voucher and processes the payment for the provider's payment request.

That is, when the payment is confirmed for the request received from the purchaser terminal 200, the third service server 330 generates an electronic voucher of the amount corresponding to the request, and transmits the generated electronic voucher to the electronic wallet of the buyer do.

At this time, the electronic voucher sent to the purchaser's electronic wallet is configured to be sent to the electronic wallet of the provider who created the request.

In addition, the third service server 330 processes payment for a payment request. When a payment request is received from the provider terminal 100, the third service server 330 receives the amount corresponding to the electronic voucher existing in the electronic wallet of the provider. Deposit into the provider's financial account, store information about the applicable electronic voucher, and then delete the applicable electronic voucher.

In other words, if there is no error in the corresponding electronic gift certificate for the payment request, the third service server 330 stores the details of the electronic gift certificate as data, and erases the corresponding electronic gift certificate.

In addition, the third service server 330 may be configured to provide information on the issued electronic voucher to the IRS server 500 to issue a tax invoice.

Here, the electronic voucher issued by the third service server 300 will be described.

The electronic voucher applied to the payment processing system using the electronic voucher according to the present invention uses an electronic voucher of a blockchain method.

4 is a diagram showing the internal information of the electronic voucher of the block chain method applied to the payment processing system using an electronic voucher according to the present invention.

4, the first electronic gift certificate 702 is connected to the 0th electronic gift certificate 701, and the second electronic gift certificate 703 is connected to the first electronic gift certificate 702.

Looking at the internal information of each electronic voucher 700, it includes a block name 710, a block hash 720, a block header 730, transaction information 740 and other information 750.

In the block name 710, name information about the issued electronic voucher is input.

At this time, the name of the electronic voucher may be generated using the text specified by the operation service server 300 and the identification code of the buyer who requested the issuance of the electronic voucher.

The block hash 720 serves as an identifier of the electronic voucher, and is calculated by applying a hash function to the information value of the block header 730 to be described later.

The block header 730 includes a version, a previous block hash, a merklehash, time, bits, and nonse information.

In the version, the software or protocol version information is input, and in the previous block hash, the hash information of the previous electronic voucher for the electronic voucher of the blockchain method is input.

In addition, when the hash of individual information transactions is composed in the form of a binary tree in the Merkle Tree Hash, the hash value located at the root of the tree is input, the creation time of the block is entered in time, and the public and private keys are used in bits. The difficulty level is set, and the number of calculations for calculating a hash value satisfying the condition is input to Nonce.

At this time, the version, the previous block hash, the merkle hash, the time and the bits are input based on the determined information or the determined information, but the nonse is confirmed It consists of an identifier that determines the block hash value constituting the electronic voucher of the blockchain method as the unprocessed data.

In the transaction information 740, provider information, buyer information, the amount of the electronic voucher, the fee amount, and the transaction date information are input.

Here, the transaction information of the first issued electronic voucher includes provider information and buyer information. The electronic voucher issued through the information is transmitted to the purchaser's electronic wallet and then to the provider's electronic wallet.

That is, the first electronic voucher 702 is transmitted to the electronic wallet of the purchaser of the first issued electronic voucher, and the first electronic voucher 702 is transmitted to the electronic wallet of the provider. .

That is, when the contents of the first electronic gift voucher 702 are parsed, it can be seen that the first electronic gift voucher 702 is associated with the 0th electronic gift voucher 701, and the 1st electronic gift voucher and the 0th electronic gift voucher Through this, it is possible to check the distribution information of the electronic voucher.

In the other information 750, other information according to the transaction information is stored.

Other information may include details of the request. That is, when the request is a tax invoice, the other information may be made of items, specifications, quantities, unit price, supply price and tax amount.

If necessary, the electronic voucher sent to the electronic wallet can be transferred to the electronic wallet of a third party through processes such as transfer, sale, gift, etc. as well as transactions. Even in this case, the electronic voucher is changed and transmitted in a blockchain manner such as a third electronic voucher, a fourth electronic voucher, and the history of the transmitted content is stored and managed by the operation service server 300.

On the other hand, the electronic gift certificate applied to the present invention is configured to combine two or more electronic gift certificates into one electronic gift certificate or to divide one electronic gift certificate into two or more electronic gift certificates.

5 is a view showing a process of combining (a) and dividing (b) of an electronic voucher applied to a payment processing system using an electronic voucher according to the present invention.

1. Combination of Electronic Gift Certificates

Upon request of the user, when a combination request for an electronic voucher is received from the terminals 100 and 200 to the operation service server 300, the operation service server 300 stores information on two or more corresponding electronic vouchers. Then, a new electronic voucher is issued to transmit the electronic voucher to the electronic wallet of the requested user account.

Here, the block hash information for the electronic vouchers to be combined is input to the previous block hash included in the block header 730 of the newly issued electronic voucher, and the user information requesting the combination of the electronic voucher is added to the transaction information 740. Is entered as

2. Segmentation of electronic gift certificates

When a request for division of the electronic voucher is received from the terminals 100 and 200 to the operation service server 300 at the request of the user, the operation service server 300 stores information on the corresponding electronic voucher and requests A new electronic voucher corresponding to the number of divisions and the amount of division is issued to transmit the electronic vouchers to the electronic wallet of the requested user account.

Here, the block hash information for the electronic voucher before division is input to the previous block hash included in the block header 730 of the newly issued electronic voucher, and the user information requesting the division of the electronic voucher is additionally added to the transaction information 740. Is entered.

According to the present invention, the distribution information and the goods (or services) of the electronic voucher can be purchased without the spatial and temporal restrictions on the purchase of the electronic voucher, and the payment for the request for the goods or services is used as the electronic voucher of the electronic wallet. ) It has the advantage of ensuring the transparency of transactions.

In addition, since the distribution information of the electronic voucher can be checked, there is an advantage in that transparency of tax can be secured by preventing omission of information on a tax invoice or VAT.

In addition, after the first issued electronic voucher is transferred to the electronic wallet of the purchaser's account, based on the electronic voucher containing both the provider's and the buyer's information as it is transferred to the electronic wallet of the provider's account, omission of tax on goods and money transactions There is an advantage that can be prevented.

Although the preferred embodiments of the present invention have been described above, the scope of rights of the present invention is not limited to this, and it should be understood that the scope of rights of the present invention extends to those that are substantially equivalent to the embodiments of the present invention. Various modifications can be carried out by those skilled in the art to which the invention pertains without departing from the spirit of the invention.

100: provider terminal 200: buyer terminal
300: operating service server 310: first service server
320: second service server 330: third service server
400: financial server 500: IRS server
600: payment application 610: provider information storage
620: Request Form 630: Payment Request
660: buyer information storage unit 670: payment unit
700: Electronic Gift Certificate 701: 0th Electronic Gift Certificate
702: first electronic gift certificate 703: second electronic gift certificate
710: Block name 720: Block hash
730: Block header 740: Transaction information
750: Other information

Claims (5)

A provider terminal that creates a request based on the input purchase information and transmits the completed request;
A purchaser terminal that performs payment for a request sent from the provider terminal;
An operation service server that manages the electronic wallet of the provider and the electronic wallet of the buyer, issues an electronic gift certificate by checking the deposit history for payment of payment from the purchaser terminal, and transmits the issued electronic gift certificate to the electronic wallet of the buyer;
A financial server that performs payment with the transaction bank account or credit card information of the buyer based on the payment of the payment received from the buyer terminal;
An IRS server storing and managing the request provided by the operation service server, providing tax information, and approving tax information for the request;
A payment settlement application installed on the provider terminal and the purchaser terminal, and consisting of a provider-side logic for performing payment settlement in connection with the provider and a buyer-side logic for performing payment settlement in relation to the buyer;
It comprises,
The payment application,
A provider information storage unit and a buyer information storage unit in which information about the user is stored and managed;
A request creation unit including a request creation interface capable of creating a request and a request transmission interface for transmitting the created interface;
An electronic voucher selected from the electronic wallet by the payment request is sent to the operation service server to convert an electronic voucher existing in the electronic wallet into an amount;
A payment unit for requesting the operation service server to issue an electronic voucher of an amount corresponding to the request using the financial server for the received request, and providing a payment progress interface capable of performing payment according to the issuance of the electronic voucher;
It comprises,
The operation service server,
A first service server that creates and manages the electronic wallet of the provider and the electronic wallet of the buyer;
A second service server that stores and manages the received request, the provider's information, and the buyer's information; And
Issuing the electronic voucher and processing payment for the payment request of the provider, but when payment is confirmed for the request received from the purchaser terminal, an electronic voucher of the amount corresponding to the request is generated, and the generated electronic voucher is generated by the buyer A third service server for transmitting to the electronic wallet of the purchaser and transmitting the electronic voucher sent to the electronic wallet of the purchaser to the electronic wallet of the provider who created the request;
It comprises,
The internal information of the electronic wallet,
A block name into which name information for the electronic voucher generated by using the character specified by the operation service server and the identification code of the buyer who requested the issuance of the electronic voucher is input;
A block hash calculated by applying a hash function to the information value of the block header to serve as an identifier of an electronic voucher;
A block header including a version, a previous block hash, a merkle hash, time, bits and nonse information;
Transaction information including provider information, buyer information, amount of electronic voucher, fee amount, and transaction date information; And
Other information including items, specifications, quantities, unit price, supply price and tax amount;
It comprises,
The operation service server,
When a combined request for an electronic voucher is received, information on two or more corresponding electronic vouchers is stored, a new electronic voucher is issued, and when a request for division of the electronic voucher is received, information about the applicable electronic voucher is stored and the requested division Issuing a new electronic voucher corresponding to the number and division amount,
The purchase information,
Provider information including an identification code, business registration number, address, and telephone number for the provider;
Service information including purchase items, amounts, and dates;
Buyer information including identification code, business registration number, address, and telephone number for the buyer;
Payment processing system using an electronic voucher characterized in that it comprises a.
delete delete The method according to claim 1,
The electronic gift certificate,
Payment settlement processing system using an electronic voucher, characterized in that the block consisting of block header, block hash, transaction information, and purchase information is a data block connected in a chain manner.
delete

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