KR102114249B1 - Payment method and system using crypto currency - Google Patents

Abstract

The present invention relates to a payment method and system using a virtual currency, the payment method according to an embodiment is a virtual currency payment method using a user terminal, using a recognition module of the user terminal, the identification information display medium of the store Recognizing the identification information displayed on; Receiving payment information to be paid by a user through a service application running on a user terminal; Based on the identification information and the payment information, confirming a type of a user-side payment currency to be paid by a user and a type of payment currency at a shop to be paid by the store; As a step of requesting the creation of a transaction transaction in the virtual currency wallet held by the user, the virtual currency wallet generates a transaction transaction according to a predefined method based on the type of payment currency confirmed from the checking step. Creating a transaction transaction; Receiving a generated transaction transaction from the virtual currency wallet; And if the type of the payment currency is the same kind of virtual currency, send the transaction transaction to the address of the receiver account, and if the type of the payment currency is a different type of virtual currency or legal currency, send the transaction transaction to the payment server to make payment. And requesting.

Description

Payment method and system for virtual currency {PAYMENT METHOD AND SYSTEM USING CRYPTO CURRENCY}

The present invention relates to a virtual currency payment and system, and more specifically, by using an existing payment infrastructure, when a customer pays a payment in virtual currency, payment of the desired currency among the virtual currency and the legal currency according to the receiver's choice It relates to a virtual currency payment method and system that can be used as a means.

Recently, interest in virtual currency (cryptocurrency) based on blockchain technology is increasing. Virtual currency is referred to as electronic money that uses cryptography for secure transactions in peer-to-peer (P2P) networks.

Bitcoin, the representative virtual currency, is the world's first peer-to-peer network-based electronic financial transaction system and new currency created by unidentified programmer Satoshi Nakamoto in 2009. It started with the motivation to realize the ideal currency as distrust of the existing currency system spread.

Basically, all currencies have an issuer and are guaranteed the value and payment to be used as currency. For example, the currency of each country is issued and operated by the central bank. In the case of points, gift certificates, and cyber money, there are companies that are issued and operated, and are generally used only within their services. There is a central point of issuing institution, and users are forced to establish a vertical relationship through the payment and settlement infrastructure established by them.

However, Bitcoin is a currency system that excludes centralized control. For the decentralized structure, Bitcoin was designed as a P2P structure that horizontally interconnects users instead of the server / client method. Bitcoin issuance and transaction history is not in a central server, but in a network composed of users' computers.

As interest and status of these virtual currencies have increased, discussions have been conducted on whether they can function as statutory currencies. In addition, research has been actively conducted on methods that can be used in real life as legal currency.

However, as of yet, virtual currency has not been used as a payment method in actual commerce, and there is a need to establish a system that can be used as a payment method to function as a real currency. As a prior art document, the method and payment system of cryptocurrency issuance of Korean Patent Publication No. 10-2018-0019543 proposes a payment system using virtual currency, but it is not possible to utilize existing infrastructure as a system for issuing coins to merchants to use for payment. There is a problem that it is difficult and the system implementation is complicated.

Korean Patent Publication No. 10-2018-0019543 (published on February 18, 2018)

The present invention is designed to overcome the limitations of the use of the existing virtual currency, and proposes a payment method and system that can utilize various types of virtual money as payment methods in real life.

The present invention relates to a payment method and system using a virtual currency, the payment method according to an embodiment is a virtual currency payment method using a user terminal, using a recognition module of the user terminal, the identification information display medium of the store Recognizing the identification information displayed on; Receiving payment information to be paid by a user through a service application running on a user terminal; Based on the identification information and the payment information, confirming a type of a user-side payment currency to be paid by a user and a type of payment currency at a shop to be paid by the store; As a step of requesting the creation of a transaction transaction in the virtual currency wallet held by the user, the virtual currency wallet generates a transaction transaction according to a predefined method based on the type of payment currency confirmed from the checking step. Creating a transaction transaction; Receiving a generated transaction transaction from the virtual currency wallet; And if the type of the payment currency is the same kind of virtual currency, send the transaction transaction to the address of the receiver account, and if the type of the payment currency is a different type of virtual currency or legal currency, send the transaction transaction to the payment server to make payment. And requesting.

Another embodiment of the present invention, a payment system using a virtual currency, the identification information display medium of the store including identification information unique to the store; A user terminal recognizing the identification information from the identification information display medium, receiving payment information to be paid by a user, and generating a transaction transaction through a user's virtual currency wallet; And recognizing the identification information to the user terminal, providing a service application capable of inputting the payment information, and when receiving a payment request from the user terminal, exchange or settle money according to a predefined method to send a payment to the store. It includes a payment server, the user terminal, through the service application running on the user terminal, based on the identification information and the payment information, the user-side payment currency to be paid by the user and the shop-side payment currency to be paid by the store Check the type of, and if the type of the payment currency is the same kind of cryptocurrency, send a transaction transaction to the address of the receiver's account. It characterized in that the request for payment.

Optionally, the identification information may include at least one of the type of the payment currency on the shop side, the address of the account for the virtual currency to receive payment, or the financial account information for legal money. In addition, the payment system may further include a user virtual currency wallet that stores the user's virtual currency and private key, and the user terminal, after confirming the type of the payment currency, requests the user's virtual currency wallet to create a transaction, and the user virtual The currency wallet may generate a transaction according to the request and transmit it to the user terminal. Also, the identification information may be displayed on the identification information display medium in the form of a QR code.

According to the payment system of the present invention, there is an advantage of using a currency according to a recipient's choice among virtual currency and legal currency when making payment using virtual currency without changing the existing infrastructure. In addition, according to the present invention, due to the nature of the virtual currency, without the hassle of exchanging legal currency, it is possible to use various virtual currencies owned by the user, thereby having the advantage of maximizing user convenience. Furthermore, in addition to the virtual currency, there is a scalability that can utilize various means for payment based on the service of the payment server.

1 illustrates a virtual currency payment system according to an embodiment of the present invention.
2 is for explaining a payment system and method using a virtual currency according to an embodiment of the present invention.
3 shows an example of a display on a user terminal in a virtual currency payment system according to an embodiment of the present invention.
4 is a flowchart illustrating a virtual currency payment method according to an embodiment of the present invention.
The same reference numbers in the multiple drawings indicate the same components.

Specific structural or functional descriptions of the embodiments according to the concept of the present invention disclosed in this specification are exemplified only for the purpose of explaining the embodiments according to the concept of the present invention, and the embodiments according to the concept of the present invention It can be implemented in various forms and is not limited to the embodiments described herein.

Embodiments according to the concept of the present invention can be applied to various changes and can have various forms, so the embodiments will be illustrated in the drawings and described in detail herein. However, this is not intended to limit the embodiments according to the concept of the present invention to specific disclosure forms, and includes all changes, equivalents, or substitutes included in the spirit and scope of the present invention.

Terms such as first or second may be used to describe various components, but the components should not be limited by the terms. The above terms are only for the purpose of distinguishing one component from other components, for example, without departing from the scope of rights according to the concept of the present invention, the first component may be referred to as the second component and similarly the second component The component may also be referred to as a first component.

When a component is said to be "connected" or "connected" to another component, it is understood that other components may be directly connected or connected to the other component, but other components may exist in the middle. It should be. On the other hand, when a component is said to be "directly connected" or "directly connected" to another component, it should be understood that no other component exists in the middle. Other expressions describing the relationship between the components, such as "between" and "just between" or "neighboring to" and "directly neighboring to" should be interpreted as well.

The terms used in this specification are only used to describe specific embodiments, and are not intended to limit the present invention. Singular expressions include plural expressions unless the context clearly indicates otherwise. In this specification, terms such as “include” or “have” are intended to indicate that a feature, number, step, operation, component, part, or combination thereof described herein exists, one or more other features. It should be understood that the existence or addition possibilities of fields or numbers, steps, actions, components, parts or combinations thereof are not excluded in advance.

Unless otherwise defined, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by a person skilled in the art to which the present invention pertains. Terms such as those defined in a commonly used dictionary should be interpreted as having meanings consistent with meanings in the context of related technologies, and should not be interpreted as ideal or excessively formal meanings unless explicitly defined herein. Does not.

1 illustrates a virtual currency payment system according to an embodiment of the present invention. The payment system may be implemented between the user terminal 110, the store 210, the virtual currency issuing server 300, and the payment server 410 providing a payment service.

The user may have the user terminal 110 for payment in the store. The user terminal 110 is a mobile phone, a smart phone, a smart pad, a notebook computer, a terminal for digital broadcasting, PDA (Personal Digital Assistants), PMP (Portable Multimedia Player), navigation, tablet It may include various wearable devices such as PCs, smart watches, and smart bands. In the present invention, the user terminal 110 may include a module for recognizing identification information in a store. As an embodiment, when the identification information is implemented as a code or an image, the user terminal 110 may photograph the identification information through the camera module. As another embodiment, when the identification information is implemented as a separate electronic medium, a communication module (or a recognition module) that receives identification information from the electronic medium through short-range wireless communication may be included. However, the present invention is not limited thereto, and may be various types of devices having a communication function capable of wireless communication and a separate application capable of executing a payment service.

As an embodiment, the user terminal 110 may install and operate the payment service application provided by the payment server 410. The user terminal 110 may download a service application provided by the management server 200 from an application market (eg, an App Store or Google Play Market). As an embodiment, a security application for payment may be installed together.

In one embodiment, the store 210 may include an identification information display medium displaying identification information for payment, and a store (or a recipient (eg, store owner)) wallet or account to receive payment. The identification information display medium is a medium in which the store 210 displays identification information unique to the store required when the payment proceeds from the user terminal 110, and the identification information is displayed as a two-dimensional code or image such as a barcode or a QR code. The medium may be a display device (paper or display), or a separate device that allows identification information to be transmitted through wired or wireless communication. The user terminal 110 may recognize the identification information from the identification information display medium provided in the store and proceed with payment. For example, when the identification information is displayed as a QR code, the user terminal 110 can acquire the identification information by photographing the code of the identification information display medium stored in the store with a camera, and perform payment based on the identification information. The payer account 230 is a payer account to receive payment, and refers to an account that receives the virtual currency paid by the customer in a desired kind of currency. The payee account can be implemented to work with the payee's online or offline wallet. Here, the payee wallet may be an online electronic wallet or may be implemented as a separate hardware storage medium, and may store virtual or legal money in the payee wallet. In one embodiment, the recipient's wallet storage medium (device) is a mobile phone, a smart phone, a smart pad, a smart phone, a notebook computer, a terminal for digital broadcasting in the form of an electronic wallet, It may be a medium that stores or is implemented in a computing device such as an electronic card, a smart card, a USB, or a SIM card to store virtual currency. The wallet for storing the virtual currency may include a private key (secret key) value for security, and may be stored in a mobile, web form, or in a separate hardware device.

As an embodiment, when the store 210 wants to receive payment by a general account without a virtual currency wallet (or address), an account issued by a general bank (or a financial company such as a securities company) may be a collection account. . The general account may be managed by a financial institution server, and a user may access the financial institution server and inquire through a smartphone, an ATM, or a computing device. As an embodiment, such a virtual currency or payer account may be implemented to receive payment approval or rejection related information from the payment server 410 in connection with a payment terminal (eg, POS or CAT terminal) of the store 210. have. The payment terminal of the store 210 may install and operate the service application provided by the payment server 410, and check and settle transaction details through the service application. According to the system of the present invention, the store acceptor has an advantage of collecting payment in a desired currency among virtual currency or legal currency.

The issuing server 300 refers to a server operated by a virtual currency issuing agent or a related person, and one or more issuing servers 310, 320 to 390 may exist depending on the type of the virtual currency. For example, in the case of Bitcoin, the Bitcoin issuance server, and in the case of Ethereum, the Ethereum issuance server may be each virtual currency issue server. Alternatively, in order to create an account of virtual currency, an issuing server 300 may also include an exchange server that issues a coin account in addition to a server that directly issues coins. As an embodiment, the store 210 and the user's terminal 110 may receive and hold the same or different types of virtual currency from the issuing server 300, and may keep it in each person's wallet.

When receiving payment in virtual currency at the time of payment, when using the same virtual currency between the user terminal 110 and the receiver account 230 medium, the payment payment virtual currency may be moved by a P2P transfer method. At this time, the virtual currency can be transferred according to the P2P transfer method based on the blockchain. Here, blockchain is an innovative technology that proves the integrity of the transaction book through transparent and efficient sharing of transaction records among multiple trading participants.As a result, data blocks that are woven like a chain are propagated and verified in real time to all network participants, so they are separate intermediaries. There is a feature that guarantees data reliability without it. As an embodiment, the user terminal 110 possessed by the user may recognize identification information of a store provided in the store 210 and transmit a payment to a virtual currency wallet address included in the identification information.

The payment server 410 is a service server operated in a payment service provider, and may provide a payment system of the present invention to users and stores. The payment server 410 of the present invention may distribute or operate a service application provided to the user terminal 110, and may provide a store application (program) or a service website to the store 210. As an embodiment, the payment server 410 may include components necessary for settlement when a user pays a payment for a different virtual currency or a general account. For example, the payment server 410 may hold various kinds of virtual currencies in advance, and exchange and pay them when settlement of payments by heterogeneous currencies is settled. Furthermore, when the store 210 wants to be settled in the legal currency through the general account, the virtual currency can be exchanged and paid in the legal currency according to real-time quotes. To this end, the payment server 410 may include components such as a virtual currency storage unit and a currency exchange unit.

Through the operation between these components (110, 210, 300, 410), it is possible to implement a payment system to be provided in the present invention. The user terminal 110 recognizes the identification information of the store 210 and pays in a desired currency, and the store 210 may also be settled in a desired currency (virtual currency or legal currency). According to the payment system of the present invention, virtual currency can be used as a real-life payment method without changing the existing payment infrastructure.

2 is a view for explaining a payment system and method using a virtual currency according to an embodiment of the present invention. Referring to FIG. 2, the case in which the user terminal 110 performs payment in the same kind of virtual currency (S22) and in the case of performing the payment in different kinds of virtual currency or legal currency (S24) will be described. In addition, in this figure, the case where the identification information display medium 250 is a QR code is mainly described, but is not limited thereto, and may be a code, an image, a number, a letter, or a short-range communication device.

The user terminal 110 may purchase a product or service at the store 210 and then proceed with payment. The store 210 may be equipped with an identification information display medium printed with a QR code. The QR code may include general account information or virtual currency wallet address as store identification information. The user terminal 110 may recognize the identification information by photographing the QR code provided in the store (S21). At this time, the user terminal 110 may drive the service application to photograph the QR code according to the code photographing guide, and extract identification information of the store from the recognized QR code. As an embodiment, the identification information may be in an encrypted form, and the identification information may be extracted by decrypting it through a service application when the user terminal 110 is photographed or decrypting it while connected to the payment server 410. In this embodiment, the user terminal 110 recognizes the identification information and then determines whether the identification information of the store is the payment of the payment by the user as a virtual currency wallet address of the same currency, a different currency, or a general account. do. As described above, identification information may be extracted and determined through a service application installed in the user terminal 110.

On the other hand, on the user terminal 110, the same procedure as the display shown in FIG. 3 may be performed. 3 shows an example of a display on the user terminal 110 in the virtual currency payment system according to an embodiment of the present invention.

The user terminal 110 may drive the payment service application provided by the payment server 410. The payment service application may interwork with a mobile virtual currency wallet or a separate hardware virtual currency wallet for virtual currency payment. For example, the service application can operate a mobile virtual currency wallet within the application, and when payment is made from a separate hardware device such as a smart card, the virtual currency can be fetched (eg, NFC, BLE connection) and paid as a payment. have.

As an embodiment, when the identification information display medium displays the identification information of the store with a QR code, as shown in FIG. 3 (a), identification information may be recognized using the camera module of the user terminal 110. . For example, the identification information includes a store name, store-specific information (eg, business number, address, phone number, etc.), the type of virtual currency the store wants to settle, and a virtual currency wallet address, or a financial name as a general settlement account. , Financial account number, and the like.

After recognizing the identification information, payment information may be input as shown in FIG. 3B. Recognizing the identification information, the store name can be automatically extracted and displayed as shown in the 520 display. The payment amount 530 is an amount to be paid in the corresponding store, and the user can directly input the amount. As another example, through the identification information recognition 510, a type of a payment amount that can be paid is presented as a menu, and the user can select it. When the user inputs the payment amount, the user can display the virtual currency conversion amount set in advance. In addition, the user may select the type of virtual currency (540). The type of the virtual currency may be set to display the type preset by the user as a default value, or to display only the type of virtual currency possessed by the user. As another example, the user terminal 110 may display the type, balance, and price of the virtual currency available to the user on the payment information input display 520, and the user selects the currency to be paid in consideration of the presented information And payment. When the payment information input is completed, the user can press the payment button 550 to perform payment.

Referring back to FIG. 2, when the user terminal 110 acquires identification information from the identification information display medium 250 of the store 210, the user terminal 110 determines whether the recognized identification information is the same cryptocurrency wallet address. , It is possible to determine whether it is a heterogeneous cryptocurrency wallet address or a general account. On the user terminal 110, the identification information is determined, and in the case of the same kind of virtual currency, it is implemented to bypass the payment server and bypass the payment server, and in other cases, it is implemented to be transferred to the recipient through the exchange of the payment server. do.

As a first embodiment, when the identification information is the same type of cryptocurrency wallet address, payment can be performed without going through the payment server 410, as in general P2P cryptocurrency transfer. The user terminal 110 checks the quantity of the virtual currency to be remitted and the wallet address to be remitted based on the input payment information (eg, 520 in FIG. 3), and then transmits the virtual currency to the corresponding address. The store 210 may check the virtual currency remitted to the address of the store terminal or the smartphone of the store owner. As an embodiment, the payment server 410 may provide a payment terminal with a program capable of confirming the transfer of virtual currency, and make it possible to check payment details in real time, so that payment of payment using virtual currency can be confirmed. .

As another embodiment, if it is difficult to use as a payment method due to a delay in the remittance time according to the type of the virtual currency, even if payment is made with the same kind of virtual currency, the specific type of virtual currency is paid through the payment server 410 Can be implemented. In this embodiment, when the user terminal 110 performs payment through the service application as shown in FIG. 3, in the case of a preset type of virtual currency, a payment request is sent to the payment server 410, and the payment server pays Payment may be processed in real time by transmitting the approval according to the request to the terminal of the store 210. For example, when the user terminal 110 sends 0.1 BTC as a payment, the payment server receives payment request information including payment price, store identification information (identification information including wallet address to be paid), and 0.1BTC. Upon receipt, a transaction approval message may be directly transmitted to the store terminal. In this case, the payment server 410 may hold the corresponding currency account and wallet and settle it in the store when the actual 0.1BTC transfer is completed.

As another example, the payment server 410 supports the transaction to proceed through P2P without mediation, but monitors the payment request of the user terminal 110 to understand the remittance and transmit the transaction approval message to the store terminal. That is, the virtual currency corresponding to the payment amount is transferred from the user terminal 110 to the receiver account 230, and the time difference between the payment request time at the user terminal 110 and the reception time at the receiver account 230 In order to solve the problem according to (delay), it may be implemented to transmit a transaction approval message to the store 210 in real time according to a payment request in advance. Through this method, even if there is a delay in payment of payment, it guarantees the user's remittance (payment of payment) and supports the use of virtual currency as a payment method.

As a second embodiment, when the identification information is a heterogeneous cryptocurrency wallet address or a general account, the user pays the payment through the same interface (for example, (a) and (b) of FIG. 3), but the actual payment path Can be implemented to use the payment server 410. As an embodiment, when paying with a heterogeneous virtual currency between a user and a store, the payment server 410 may purchase the virtual currency transmitted from the user terminal 110. The user terminal 110 may determine the identification information and transmit a payment request to the payment server 410 when the types of virtual currencies are different. The payment request may include the type of the virtual currency, the address of the receiver's account, the transfer time, the type of the user's payment currency, and the amount of the payment. The payment server 410 may receive a payment request, purchase a virtual currency remitted by the user, and transfer the virtual currency for the store corresponding to the payment amount to a recipient account 230 address. The receiver account 230 may receive the virtual currency and store the corresponding virtual currency in the receiver's wallet (online electronic wallet or hardware electronic wallet). To this end, the payment server 410 may have a certain amount of virtual currencies in advance. The payment server 410 collects and analyzes payment data to increase the amount of virtual currency that is frequently used, and to decrease the amount of virtual currency that is underutilized, so that payment data, the type of virtual currency, and the amount of storage are interlocked every predetermined period. You can also design.

As another example, the payment server 410 may receive the virtual currency received from the user terminal 110, exchange money according to a predetermined criterion, and transfer the converted payment amount to the address of the receiver account 230. The exchange algorithm can be designed to reflect real-time quotes. The store 210 may receive the payment of the exchanged payment in real time, or check the remittance history, the exchange history, etc. from the user terminal 110 through the payment server 410, and receive the settlement payment for each period. have. For example, if the user remits 0.1BTC as a payment, and the receiver account 230 is determined based on Ethereum, the user terminal 110 may remit the bitcoin to the payment server 410. The payment server 410 may convert the deposited bitcoin (BTC) into Ethereum (ETH), and transmit (withdraw) 18ETH to the receiver account 230. The store 210 may receive a payment in real time, and may settle the payment every predetermined period (eg, once a month).

As a third embodiment, even when the information presented in the identification information is a general bank account rather than a virtual currency, purchase and settlement of payments can be processed in the same manner as heterogeneous virtual currency (second embodiment). The user may pay the payment for payment through an interface (for example, (a) and (b) of FIG. 3) by the payment service application. As an embodiment, when the store does not have a virtual currency wallet and has a general financial account, the payee account 230 may be a general account, and the on / off account history of the corresponding account may be checked through the financial company on / offline. In this embodiment, the payment server 410 may purchase the virtual currency transmitted from the user terminal 110. When the user terminal 110 determines the identification information and extracts general account information, the user terminal 110 may transmit a payment request to the payment server 410. The payment request may include a financial company and an account number, a transfer time, a user payment currency type, and a payment amount. The payment server 410 may receive a payment request, purchase a virtual currency remitted by the user, and transfer the legal currency corresponding to the payment to the receiver account 230. Thereafter, the money transferred to the receiver account 230 may be stored in the store wallet. As described above, the payment server 410 may make a prepayment to the store 210 in the legal currency, or transfer money after a currency exchange. Also, the store 210 may receive payment in real time or settle it every predetermined period.

4 is a flowchart illustrating a virtual currency payment method according to an embodiment of the present invention. This embodiment describes the payment flow implemented when the user has the user terminal 110 and the user wallet 115. The user wallet 115 may be a virtual currency wallet or a statutory currency account, but it is mainly signed in the case of a virtual currency wallet as an example for payment in virtual currency. The user wallet 115 may be in the form of a mobile wallet in an exchange, or a hardware device storing a private key on a separate device such as a smart card.

When the user wants to proceed with payment for a service or product purchase in the store, as described above, the user terminal 110 may be used to obtain identification information from the identification information display medium 250 provided in the store 210. (S401). As described above, the user terminal 110 may acquire identification information by photographing a code or image displayed on the medium 250 or transmitting and receiving data through short-range wireless communication.

When the user terminal 110 recognizes the identification information, it is possible to determine the wallet address or the type of currency by analyzing the acquired identification information. For example, the user terminal 110 may recognize, extract, and analyze identification information through a service application provided by the payment server 410. According to the payment system of the present invention, according to the analysis of the identification information, the user terminal 110 proceeds to transfer the virtual currency by bypass without going through the payment server when the payment of the sender and the receiver is the same kind of virtual currency, If the recipient has a heterogeneous or statutory currency account, the money is exchanged through a payment server to be transferred.

After the user terminal 110 recognizes the identification information, it may request to generate a transaction for withdrawal of virtual currency from the user wallet 115 (S403). For example, in the case where the recipient account address and the money type included in the identification information are the same, the user terminal 110 requests to generate a transaction including the number of coin withdrawals and the wallet address. The user wallet 115 may receive this and create a transaction (S404). In one embodiment, the transaction may be withdrawal information including encryption information (eg, signed with a private key held in advance). For example, a transaction for virtual currency transmission may include an address to be received, a signature, an amount to be transmitted, and a public key. At this time, the address to be received may be a payer's account in the case of homogeneous virtual currency, or a virtual currency account (address) of a payment server in the case of heterogeneous virtual currency or legal currency. After the transaction is created by signing the transaction using the private key in the user's wallet, the user terminal 110 transmits it to the address to receive the transaction when it is delivered to the user terminal 110. The signature data of these transactions can be verified through the public key in the cryptocurrency network, and if the balance is justified compared to the previous transaction, it can be determined that the transaction is appropriate.

When a transaction is generated and transmitted to the user terminal 110, the user terminal 110 may use this to transmit virtual currency to the address of the receiver account 230 (S405). This may be implemented in the same way as the P2P-type virtual money transfer between users. That is, the virtual currency corresponding to the payment amount may be moved from the user wallet 115 to the receiver account 230. As an embodiment, the store 210 may monitor and check the payment amount that is deposited into the account collector account 230 through a store payment terminal or a separate device.

On the other hand, when the account address and currency type of the recipient account included in the identification information are heterogeneous or general accounts, a transaction may be transmitted to the payment server 410 (S407). In one embodiment, in the case of heterogeneous virtual currency, the user terminal 110 sends the payment server wallet address to transfer (withdraw) the virtual currency of the payment price to the wallet address (or other form of remittance address) of the payment server 410 You can create a transaction that includes. In addition, in addition to the transaction, the receiver information such as the account information, the money type, and the amount of money to be actually deposited may be transmitted to the payment server 410 together with the transaction.

When a transaction for remittance from the user wallet to the payment server is generated, the user terminal 110 may receive it and send a transaction for payment request to the payment server 410. For example, if the user wants to pay with bitcoin, and the settlement address of the store is an Ethereum-based address, when the user terminal 110 recognizes the identification information, it confirms that it is a heterogeneous cryptocurrency wallet address, and when a transaction is created. , It may transmit the user's bitcoin to the payment server 410, including the payment server's bitcoin wallet address. At this time, the transaction transmitted to the payment server 410 may include a bitcoin wallet address, a bitcoin quantity, a payment price, a wallet address of a store, and a kind of currency of the payment server to receive the bitcoin.

As an embodiment, the payment server 410 may receive a transaction and process payment settlement according to the transaction information (S408). When the payment server 410 is a heterogeneous virtual currency, the virtual currency received from the user terminal 110 can be converted into a virtual currency of the type that the store wants to deposit, and the payment can be transferred to the store (S409). As described above, the payment server 410 may hold various types of virtual currency in advance, and in order to solve the problem of delaying deposit and withdrawal of the virtual currency, after confirming the payment from the user, prepay the virtual currency held in advance to the store. Can be. The payment server 410 may obtain a fee margin generated by exchanging money when desired according to the market price. As another example, the payment server 410 may exchange money in real time for a transaction and deduct the fee, and then transfer the payment to the receiver's account.

When the store does not use the virtual currency and uses the general financial account, the payment server 410 may receive the virtual currency from the user and prepay or pay it in the legal currency already held. In the case of transferring money to a financial account in fiat currency, the payment server 410 may interwork with the financial institution server.

When using such a payment system, there is an advantage that virtual currency can be used as a payment method without changing the existing infrastructure. Furthermore, in addition to the virtual currency, there is a scalability that can utilize various means for payment based on the service of the payment server. In addition, according to the present invention, due to the nature of the virtual currency, there is an advantage that the convenience of the user is maximized by using various virtual currencies owned by the user without the hassle of exchanging the legal currency.

The present invention has been described with reference to one embodiment shown in the drawings, but this is only exemplary, and those skilled in the art will understand that various modifications and other equivalent embodiments are possible therefrom. Therefore, the true technical protection scope of the present invention should be determined by the technical spirit of the appended claims.

110: user terminal 115: user wallet
210: Store 230: Collector's Account
250: identification information display medium 300: issuing server
410: payment server

Claims (8)

As a virtual currency payment method using a user terminal,
Recognizing the identification information displayed on the identification information display medium of the store using the recognition module of the user terminal-The identification information includes the type of the payment currency of the store and the address of the account for the virtual currency to be paid for the payment ;
Receiving payment information to be paid by a user through a service application running on a user terminal;
Based on the identification information and the payment information, confirming a type of a user-side payment currency to be paid by a user and a type of payment currency at a shop to be paid by the store;
As a step of requesting the creation of a transaction transaction in the virtual currency wallet held by the user, the virtual currency wallet generates a transaction transaction according to a predefined method based on the type of payment currency confirmed from the checking step. Creating a transaction transaction;
Receiving a generated transaction transaction from the virtual currency wallet; And
When the type of the payment currency is the same type of virtual currency, the transaction transaction is sent to the address of the account for the virtual currency, and when the type of the payment currency is a different type of virtual currency or legal currency, the transaction is sent to the payment server. And including the step of requesting payment,
When the type of the payment currency is a heterogeneous virtual currency, the payment server receives a payment request including the transaction transaction, and the store, which is the payment currency of the store, wants to receive the payment of the user-side payment currency according to a predefined criterion. A virtual currency payment method for converting money into a virtual currency of a kind and remitting the converted payment currency to the address of the account for the virtual currency. According to claim 1,
The identification information is a virtual currency payment method characterized in that it further comprises financial account information for fiat money. According to claim 1,
When the type of the payment currency is legal currency, the payment server receiving a payment request including the transaction transaction;
Converting the user-side payment currency into the shop-side payment currency according to a predefined criterion; And
And transferring the exchanged payment currency to the financial account for statutory currency. According to claim 1,
After confirming the type of the payment currency, requesting the creation of a transaction transaction in the user virtual currency wallet;
Further comprising the step of generating the transaction transaction according to the request, using the private key stored in advance in the user virtual currency wallet,
The step of requesting the payment is a virtual currency payment method characterized by requesting payment based on the transaction transaction. According to claim 1,
The identification information is displayed in a QR code, the virtual currency payment method. As a virtual currency payment system,
A store identification information display medium including store specific identification information;
A user terminal recognizing the identification information from the identification information display medium, receiving payment information to be paid by a user, and generating a transaction transaction through a user's virtual currency wallet; And
Recognizing the identification information to the user terminal, providing a service application capable of inputting the payment information, and when receiving a payment request from the user terminal, exchange or settle money according to a predefined method to remit payment to the store Including a payment server,
The user terminal, through a service application running on the user terminal, based on the identification information and the payment information, checks the type of the user-side payment currency to be paid by the user and the store-side payment currency to be paid by the store, If the type of the payment currency is the same type of cryptocurrency, send a transaction transaction to the address of the account for the virtual currency, and if the type of the payment currency is a different type of cryptocurrency or legal currency, request payment to send a transaction transaction to the payment server And
The identification information includes the type of the payment currency of the store and the address of the account for the virtual currency to be paid for payment,
When the type of the payment currency is a heterogeneous virtual currency, the payment server receives a payment request including the transaction transaction, and the store, which is the payment currency of the store, wants to receive the payment of the user-side payment currency according to a predefined criterion. Virtual currency payment system, characterized in that for converting into a virtual currency of the kind, and remitting the exchanged payment currency to the account address for the virtual currency. The method of claim 6,
The identification information is a virtual currency payment system further comprising financial account information for fiat money. The method of claim 6,
The virtual currency wallet stores the user's virtual currency and private key, and when creating the transaction transaction, creates a transaction transaction by signing with the private key,
The user terminal, after confirming the type of the payment currency, the virtual currency payment system characterized in that it receives the transaction transaction generated by requesting the transaction creation to the user's virtual currency wallet.

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