KR102143639B1 - Method for dealing a gold using coin-point relaying app in bank system - Google Patents

Abstract

The present invention relates to a gold transaction operation method of a coin-point relay transaction application linked to a bank. According to the gold transaction operation method of a coin-point relay transaction application linked to a bank, a gold storage certificate is issued (transmitted) from a contracted bank when there is no problem after a gold purchase sale price match determination step (S10120). After checking the gold storage certificate is issued (transmitted), a gold storage certificate issuing and point automation transmission step (S10130) of automatically transmitting points to the contracted bank is performed. Therefore, there is an effect of using, as security, not only an electronic algorithm source of fingerprint/finger vein of a coin, but also an electronic algorithm source of QR/BAR, trading gold by the points rewarded according to product purchase activities, guaranteeing in gold against a decline in the value of money by an institutional device that can be stored in the bank, and being applied to the real economy of the coin.

Description

How to operate gold trading in a coin-point relaying app linked to a bank {METHOD FOR DEALING A GOLD USING COIN-POINT RELAYING APP IN BANK SYSTEM}

The present invention relates to a gold transaction operation method of an app for coin-point relay transaction linked with a bank, and more specifically, a bank using a coin-linking technology according to the release of virtual currency and point payment and utilization in a shopping mall. It relates to the gold transaction operation method of the coin-point relaying app linked to a bank that can trade virtual currency linked with a shopping mall that is linked and linked with a shopping mall that seeks the stability of transactions.

First of all, in order to help understand the technical content of the present invention, the present invention relates to another embodiment of the domestic patent registration No. 10-1543222 (name: a financial transaction relay system linked to a telephone number and its processing method). Patent Registration No. 10-2052911 (name: financial transaction relay processing method for transacting virtual currency linked to a shopping mall linked to a bank) was recently applied, and Patent Registration No. 10-1616266, International Patent Classification As a continuation technology related to G06Q 20/40 and patent application No. 10-2016-46135, it relates to an electronic payment system and method using a technology linked with coins according to the release of virtual currency and point payment and utilization in shopping malls. .

Referring to FIG. 1, the financial transaction relay system 2 of the prior invention of the applicant uses a multiple security lock function including fingerprint recognition to relay bank transactions and electronic commerce in an authenticationless access method.

To this end, the financial transaction relay system 2 of the prior invention of the applicant registers as a member through fingerprint recognition, account password authentication, and phone number authentication in the personal financial transaction relay server 100, and the customer terminal 200 and the online bank system In the case of a financial transaction between the 300 and the electronic commerce system 400, a fingerprint authentication process is used to establish an authenticationless connection.

The financial transaction relay system 2 of the applicant's prior invention includes a communication network 4 and 6, a customer terminal 200, an online banking system 300, an electronic commerce system 400, and a personal financial transaction relay server 100. ).

The communication networks 4 and 6 are provided with, for example, a wired/wireless communication network, a mobile communication network, etc., and the customer terminal 200, the online banking system 300, the personal financial transaction relay server 100, and the customer terminal 200 and electronic commerce The system 400 and the personal financial transaction relay server 100 are provided as a single or complex communication network connected to enable data communication.

The customer terminal 200 is provided with, for example, a portable computer such as a smart phone, a tablet computer, a notebook, or a personal computer, and is connected to the personal financial transaction relay server 100 through the communication network 4. The customer terminal 200 accesses the personal financial transaction relay server 100 using a web browser or mobile application, and the online bank system 300 and the electronic commerce system 400 through the personal financial transaction relay server 100 To carry out financial transactions.

The customer terminal 200 includes a fingerprint reader 210 that obtains fingerprint information. The customer terminal 200 provides the fingerprint information obtained from the fingerprint reader 210 to the personal financial transaction relay server 100 through the communication network 4. The customer terminal 200 accesses the personal financial transaction relay server 100 through the communication network 4 and registers as a member. At this time, the customer terminal 200 registers the fingerprint information and phone number to the personal financial transaction relay server 100, and registers the account password registered in the online bank system 300 to the personal financial transaction relay server 100. .

When registering as a member, the customer terminal 200 is multiplely authenticated using fingerprint information, a phone number, and an account password with the personal financial transaction relay server 100. In addition, the customer terminal 200 provides fingerprint information to the personal financial transaction relay server 100 for financial transactions with the online bank system 300 and the electronic commerce system 400.

The online banking system 300 is provided in an affiliated bank and handles financial transactions such as banking operations, for example, deposit and withdrawal, and transfer. In the online banking system 300, during a financial transaction, the customer terminal 200 is connected without authentication through the personal financial transaction relay server 100.

The electronic commerce system 400 includes, for example, online shopping mall systems such as department stores and discount stores, passenger transportation reservation systems such as airlines and railroads, accommodation reservation systems such as condos and hotels, and cultural performance reservation systems such as movies, plays, and concerts. , A leisure reservation system, etc., when using electronic commerce through the personal financial transaction relay server 100, the customer terminal 200 is connected without authentication.

In addition, the personal financial transaction relay server 100 registers as a member through the multiple safety lock module 110 when the customer terminal 200 registers as a member, and finances with the online bank system 300 and the e-commerce system 400. During a transaction, fingerprint information is received from the customer terminal 200 and authenticated, and in the case of financial transactions and electronic commerce with the online banking system 300 and the electronic commerce system 400, a financial transaction is processed through fingerprint authentication through an unauthorized access. do. This personal financial transaction relay server 100 builds a personal portal site for personal financial transactions.

However, in the recent financial transaction technology, with the advent of virtual money, technologies related to points that are rewarded when trading goods appear, and these are being patented BM.

In order to understand these technologies, the donor terminal 300 and the recipient terminal 400, which are technical details that form the basis of the present invention, will be described in detail even in the prior art of FIG. 2.

2 is an overall configuration diagram showing a transaction system for digital virtual currency having a block chain between parties according to the prior invention applied to the present invention.

The donor terminal 300 generates a donor transaction request signal including the amount information of the digital virtual currency with the block chain to be donated and the donor's personal information, and transmits it to the digital virtual currency transaction information server 200. , The donor-side blockchain-based digital virtual currency transaction app 310 that guides the recipient to be transmitted by designating the recipient recognition URL (A) transmitted from the digital virtual currency transaction information server 200 This is the mounted terminal member.

Here, the donor's blockchain-based digital virtual currency transaction app 310 is an application program, which can be downloaded by accessing the app store through the donor terminal 300 or in the aforementioned blockchain-based digital virtual currency transaction guide server 200. You can directly connect, download, install and use.

Instead of the app 310, a hybrid web can be used, and the hybrid web can be activated to access or transmit information there.

In addition, the donor terminal 300 is a keypad that generates a user input signal for controlling or operating the donor terminal 300 according to the user's manipulation in order to operate the donor-side blockchain-based digital virtual currency transaction app 310 Such as an information input unit, an information storage unit in which the donor's blockchain-based digital virtual currency transaction app 310, which is a dedicated program or data such as the donor's personal information to be described later, is stored, and a blockchain-based digital virtual currency transaction screen. It is composed of an information output unit for outputting multimedia information and a control unit for overall operation control of the donor terminal 300.

The donor terminal 300 performing such a function includes palmtops, Personal Digital Assistants (PDAs), communication terminal devices such as smart phones with Internet access, portable multimedia player (PMP), or UMPC (Ultra -mobile PC) and MID (Mobile Internet Device) can be applied to a variety of terminals, which is equally applicable to the recipient terminal 400 to be described later.

The donor terminal 400 is automatically executed when the donor recognition URL (A) is sent from the donor terminal 300 when clicking the recipient recognition URL (A), and the donor receiving a digital virtual currency with a blockchain It is a terminal member equipped with a blockchain-based digital virtual currency transaction app 410 on the recipient side that generates a personal information signal for authentication of the recipient including personal information and controls it to be transmitted to the digital virtual currency transaction information server 200. .

Here, the donor-side blockchain-based digital virtual currency transaction app 310 and the donor-side blockchain-based digital virtual currency transaction app 410 are the same apps, and the prefixes of the donor side and the recipient side are attached to clearly distinguish them. .

In addition, the donor terminal 300 and the donor terminal 400 are preferably provided based on an instant messenger (IM) so that the donor can easily select a donor who wants to give a digital virtual currency having a blockchain.

To this end, the donor terminal 300 is equipped with a donor-side instant messenger, and the recipient terminal 400 is equipped with a donor-side instant messenger.

As such, the donor-side instant messenger and the recipient-side instant messenger to be loaded are the same instant messenger, and for clarity, the prefixes of the donor side and the recipient side are attached here.

Through this, the donor-side blockchain-based digital virtual currency transaction app 310 of the donor terminal 300 collects and transmits optional IM identification information that identifies the donor-side instant messenger designated by the donor in the donor-side transaction request signal. , When the donor recognition URL (A) is transmitted from the digital virtual currency transaction guide server 200, the donor-side instant messenger designated by the donor is controlled to be automatically executed, and the recipient is recognized by the donor-side instant messenger automatically executed. URL (A) is controlled to be output, and the donor's instant messenger designates the recipient account of the instant messenger requesting the delivery of the recipient recognition URL (A), and the recipient terminal 400 corresponding to the recipient account It is programmed to be transmitted to ).

In addition, the recipient-side instant messenger of the recipient terminal 400 controls the transmitted recipient recognition URL (A) to be output, and the recipient-side blockchain-based digital virtual currency transaction app 410 of the recipient terminal 400 When the recipient clicks the recipient recognition URL (A) displayed on the recipient's instant messenger, it is automatically executed to generate a personal information signal for recipient authentication, and is programmed to be transmitted to the digital virtual currency transaction guide server 200.

The following is a Coin-Point relay exchange that executes transactions with "coins" targeted at the virtual currency exchange developed in Patent Registration No. 10-1918033 registered by the present inventor and "points" rewarded in online banking or e-commerce transactions. (5000) will be described.

3 is a block diagram showing a system in which points generated in an online bank or e-commerce transaction of the present invention and coins transacted in a cryptocurrency exchange are transacted in a separate relay exchange. It is an overall configuration diagram for explaining the virtual currency trading system 3000 and the online banking and e-commerce system 4000 according to an embodiment.

First, the virtual currency trading system 3000 will be described as a flowchart.

In the future, in the present invention, virtual currency is referred to as "coin" or "Coin".

Referring to the upper part of FIG. 3, the transaction of virtual currency according to an embodiment of the present invention is that a donor trades virtual currency to a recipient, and specifically, the donor terminal 300 is a digital virtual currency having a block chain to be donated. Generates a donor transaction request signal including the amount information of the donor and the donor's personal information and transmits it to the digital virtual currency transaction information server 3100, and the digital virtual currency transaction information server 3100 provides the recipient terminal 400 The personal information is verified from the donor's electronic wallet information, and the amount information of the blockchain-based digital virtual currency stored in the donor's electronic wallet information is deducted by the amount desired to be donated to the recipient, and the deducted amount is the blockchain-based digital stored in the recipient's electronic wallet information. After accumulating in the virtual currency amount information, the transaction information for digital virtual currency transaction is generated based on this, and it performs the function of controlling so that it is propagated to the blockchain holding servers (not shown), so that the virtual currency is exchanged or traded. will be.

Hereinafter, the meaning of "transaction" is included in the concept of "exchange".

Accordingly, the head office issues Coins, and as an affiliated bank, for example, the Bank stores and manages the above Coins, and each performs the functions prescribed by the law.

The system is built by interlocking with the Coin management system 3500 so that the "coin" of the virtual currency trading system 3000 generated here can be exchanged or traded with the Coin-Point relay exchange 5000.

To this end, apply for ALL IT BLUE COIN, ALL IT SILVER COIN, ALL IT GOLD COIN, ALL IT DIA COIN, and ALL IT POINT as a trademark registration application so that the trade name can be used for each grade when exchanging or trading coins and points described later. do.

The virtual currency trading method will be described in detail in FIGS. 12-19.

Second, the online banking and e-commerce system 4000 will be described with a flowchart.

In the future, in the present invention, the profit generated by the transaction and compensated is referred to as "point" or "point".

Referring to the bottom of FIG. 3, the online banking and e-commerce system 4000 according to the embodiment of the present invention includes one online shopping mall 4100, one or more purchaser PC terminals 4300a, and a purchaser mobile through the Internet (I). It is connected to the terminal 4300b and the affiliated store terminal unit 4400.

The online bank and e-commerce system 4000 is connected to the online shopping mall 4100 and the purchaser terminal through the Internet (I), and opens a product window where the purchaser can purchase a product at the purchaser’s request with the purchaser’s own points. It performs the functions provided at the same time.

The purchaser PC terminal 4300a and the purchaser mobile terminal 4300b are connected to the online bank and the electronic commerce system 4000 through the Internet I, and various HTML provided by the online bank and the electronic commerce system 4000 (Hyper Text Marker Language) A conventional web browser is provided so that web pages such as documents can be retrieved and displayed on the screen.

In addition, the purchaser PC terminal 4300a and the purchaser mobile terminal 4300b use an Allit-Pay savings card, and a third-party card affiliated with the card may also be used.

At this time, points allocated as much as the purchaser used are accumulated as profit compensation.

The purchaser PC terminal 4300a is preferably implemented as a personal computer (PC), but is not limited thereto, and may be implemented as any device capable of communication, such as a notebook, PDA, and smartphone capable of communicating by connecting to the Internet. .

The designated affiliated store terminal unit 4400 is composed of a plurality of designated point terminals designated in advance for the accumulation of points. In this embodiment, for convenience of explanation, the designated affiliated store terminal unit 4400 grouped into one commercial area is a first affiliated store terminal unit 4400a, a second affiliated store terminal unit 4400b, and a third affiliated store terminal unit 4400c. , --- (omitted)---, shown by the n-th affiliated store terminal unit 4400n.

In addition, the designated affiliated store terminal unit 4400 uses an Allit-Pay credit card, and a third-party card affiliated with the card can also be used.

At this time, points allocated as much as the purchaser used are accumulated as profit compensation.

At this time, it is intended to promote the convenience of the consumer by allowing the accumulated Points to be exchanged or transacted with the coins described later.

In other words, a system is constructed by linking the "points" of the online banking and e-commerce system 4000 generated here with the revenue compensation point management system 4500 so that they can be traded with the Coin-Point relay exchange 5000.

Reference numeral 6000 denotes the "Allit Pay process" and indicates an operation network that can systemize a line that can bring business efficiency in connection with AllIT Bank and AllIT Pay, which will be described later.

Third, the relay exchange 5000 of AllIT Coin and AllIT Point shown in the middle of FIG. 3 will be described.

A system is constructed by interlocking with the Coin management system 3500 so that the "coin" of the virtual currency trading system 3000 generated by the transaction of the virtual currency can be traded with the Coin-Point relay exchange 5000.

In addition, the system by linking the "points" of online banking and e-commerce system 4000 that are compensated according to the usage performance of banks, etc., with the profit compensation point management system 4500 so that they can be traded with the Coin-Point relay exchange (5000). To build.

Next, a numeric domain applied to the present invention will be described with reference to FIGS. 4 to 6.

In general, URLs are composed of a secondary domain format such as www.####.co.kr, where #### is a unique identification character of the site, co is a character representing a company, and kr is a country. It is a character to identify. Recently, as the number of sites has increased rapidly, it is not easy to find a unique identification character that is not duplicated when using a general URL. In other words, it is not easy to find unique identification characters that can be used by all 6 billion people in each country and do not overlap.

In addition, by using the URL of the secondary domain, the maintenance cost for the URL of the secondary domain must be paid every two years. In most cases, when the payment of the management cost is neglected, the site opened with difficulty is closed.

In the prior art, Korean Patent Registration No. 10-1444883 describes as follows.

4 is a block diagram illustrating a system for providing a numeric URL service according to an embodiment of the present invention. Referring to FIG. 4, the system 1 for providing a numeric URL service according to an embodiment of the present invention includes at least one user terminal 100, a numeric URL service providing server 300, and at least one site server 400. It may include. However, since the numeric URL service providing system 1 of FIG. 1 is only an embodiment of the present invention, the present invention is not limitedly interpreted through FIG. 1.

At this time, each component of FIG. 5 is generally connected through a network 200. For example, as shown in FIG. 1, at least one user terminal 100 and a numeric URL service providing server 300 may be connected through a network 200. In addition, the number URL service providing server 300 may be connected to at least one site server 400 through the network 200. In addition, at least one user terminal 100 may be connected to the at least one site server 400 via the number URL service providing server 300 through the network 200.

The UI receiving unit 310 may receive a UI selection signal for selecting at least one country user interface (UI) from at least one user terminal 100.

The frame output unit 320 may output a numeric URL frame in response to the received UI selection signal. In this case, the numeric URL frame may be a frame having NxM (N,M=natural numbers) cells, referring to FIG. 3A. Here, whenever the country UI is selected, a frame having NxM cells may be generated.

When the first changer 330 receives, from at least one user terminal 100, a first digit selection signal for selecting any one of the first row of numeric URL frames, the received first digit selection signal The central frame including at least one of the numeric URL frames may be changed to correspond to. In this case, the first digit may be the first digit of the numeric URL consisting of (a, b, c, d, e), that is, a digit corresponding to a. 3A, the first row includes N cells, the center frame includes (N-2)·(M-2) cells, and whenever any one of the first row is selected , (N-2)·(M-2) cells are changed, so that a total of N·(N-2)·(M-2) cells can be displayed.

The second change unit 340, when receiving a second digit selection signal for selecting any one of the first column of the numeric URL frame from at least one user terminal 100, the received second digit selection signal The central frame including at least one of the numeric URL frames is changed to correspond. In this case, the second digit may be the second digit of the numeric URL consisting of (a, b, c, d, e), that is, a digit corresponding to b. 3A, the first column includes M-2 cells, and each time any one of the first columns is selected, N·(N-2)·(M-2) cells are changed. , A total of (M-2)·N·(N-2)·(M-2) cells can be displayed.

When the third changer 350 receives a third digit selection signal for selecting any one of the Nth column of the numeric URL frame from at least one user terminal 100, the received third digit selection signal is To correspond, the central frame including at least one of the numeric URL frames may be changed. In this case, the third digit may be a third digit of the numeric URL consisting of (a, b, c, d, e), that is, a digit corresponding to c. 3A, the Nth column includes M-2 cells, and each time any one of the columns in the Nth column is selected, (M-2)·N·(N-2)·(M-2 ) Cells are changed so that a total of (M-2)·(M-2)·N·(N-2)·(M-2) cells can be displayed.

When the fourth changer 360 receives a fourth digit selection signal for selecting any one of the M-th row among the numeric URL frames from at least one user terminal 100, the received fourth digit selection signal To correspond to, the central frame including at least one of the numeric URL frames may be changed. In this case, the fourth digit may be the fourth digit of the numeric URL consisting of (a, b, c, d, e), that is, a digit corresponding to d. Referring to FIG. 3A, the Mth row includes N cells, and whenever any one of the Mth rows is selected, (M-2)·(M-2)·N·(N-2) ·(M-2) cells have been changed so that a total of N·(M-2)·(M-2)·N·(N-2)·(M-2) cells can be displayed.

When the site output unit 370 receives a 5th digit selection signal for selecting any one of the last changed center frames from at least one user terminal 100, the site output unit 370 is mapped to the received 5th digit selection signal. You can print the site. In this case, the fifth digit may be any one of 140 cells, as described with reference to FIG. 3B. That is, the 5th digit may be any one of numbers 1 to 140.

Also, at least one UI is U, and each time at least one UI is selected, N·(M-2)·(M-2)·N·(N-2)·(M-2) cells are As a result, a total of U·N·(M-2)·(M-2)·N·(N-2)·(M-2) cells can be displayed.

That is, at least one UI is U (U = natural number), and as described above, the number of URLs that can be displayed in the center frame 5 was 3584000, so a total of 3584000 x (U) columns are displayed. Can be.

In one embodiment of the present invention, both x and · are defined as multiplication operators.

Accordingly, even if all 6 billion people own one site, numeric URLs can be assigned to all without overlapping numeric URLs.

However, the numeric URL simply produced a domain, and a method that can be used by creating a new numeric URL secondary by linking it has not been developed.

Moreover, even with the above number URL, it was a considerable economic burden to decorate and operate your own shopping mall.

In addition, there has not been a technology that can give a chance to generate profits according to the price fluctuations of coins and to return discount benefits when repurchasing by linking points paid as rewards after purchasing goods in ordinary shopping malls.

In addition, the method of purchasing gold using this for the rewarded points in the goods transaction was disclosed in Patent Publication No. 10-2011-0009859, but the above conventional invention has a fixed ratio according to the payment amount of the member using the affiliated store. The point value or mileage value provided to the member is converted into a daily gold price and accumulated as gold (金), and when the accumulated gold reaches the specified weight, it is provided as gold at the request of the member or It is a method of trading gold using points that allow it to be provided in cash equivalent to the market price.This is a method of purchasing gold with coins applied as a real economy in commodity transactions, which greatly limits the scope of coin operation of coin holders. There is a situation.

Accordingly, an object of the present invention is to provide a method of operating a gold transaction for a coin-point relay transaction app linked with a bank.

Another object of the present invention is to provide a gold-based coin distribution method capable of generating profits through currency exchange by circulating coins and points between members on the Internet.

In addition, a virtual currency that is linked to a shopping mall that seeks the stability of transactions by linking with a bank using a coin-linking technology based on the release of virtual currency in a shopping mall connected without authentication by a phone number and point payment and utilization in the shopping mall. The purpose of this is to provide a method for relaying financial transactions that can be traded.

In addition, an object of the present invention is to develop a method that can be utilized not only by producing a domain, which is a limitation of numeric URLs, but by creating a new numeric URL in connection with this.

In addition, an object of the present invention is to provide a shopping mall that can directly decorate a shopping mall by receiving the numeric URLs and operating and economically.

Here, in coin transactions, the purpose of this is to provide a guarantee insurance so that a trader can establish a safe transaction system.

In addition, the purpose of this is to provide a technology that can give a chance to generate profits according to the price fluctuations of coins and to return discount benefits when repurchasing by linking the points paid as rewards after purchasing goods in ordinary shopping malls. .

Here, by enabling the exchange or transaction with the "coin" and the "point", it becomes an opportunity for the actual value of the coin to be recognized, and the reorganization of a system suitable for the internationalization trend of "coin" Its purpose is to provide an opportunity to prevent activities that confuse the economic order due to excessive issuance.

In other words, if "coin" is not recognized for its economic value, the purpose is to eradicate, for example, an act that disturbs the economic order by issuing a "coin" by an insolvent company or an unqualified individual.

The present invention first, the starting step of turning on the computer (S10000); Coin-Point relay transaction app execution step (S10010) of executing the Coin-Point relay transaction app of Company A (the subject's smartphone or computer); After the coin-point relay transaction app execution step (S10010), when the step of requesting purchase of Points through the Internet is selected (a) and the step of requesting purchase of Points by card (cash) is selected (b) Optional point purchase request step (S10020); Coin transaction and price provision step (S10030) of providing a coin transaction and price at a coin transaction relay when the step of requesting purchase of Points through the Internet is selected (a); After the coin transaction and price providing step (S10030), the coin holder's computational coin wallet formation determining step (S10040) of determining whether the coin holder has formed a computerized coin wallet (S10040); After the coin wallet formation determination step (S10040) for the coin holder, the purchase point purchase quantity input step (S10050) of inputting the purchase quantity of the purchase point of the coin holder (Point purchase requestor); After the purchase point purchase quantity input step (S10050), a point purchase quantity (price) comparison and judgment step (S10060) of determining whether the transaction price according to the coin holding quantity of the computerized coin wallet is greater than the point purchase quantity (price); After the point purchase quantity (price) comparison and determination step (S10060), a point purchase step (S10070) of purchasing a point; After the point purchase step (S10070), a settlement point deduction step (S10081) of deducting a settlement point of a point seller (company); After the settlement point deduction step (S10081), the settlement point accumulation step (S10082) of accumulating points of the Point purchaser; Point purchase post processing step (S10083) of subtracting coins from the settlement coin wallet of the coin holder after the settlement point accumulation step (S10082); A gold purchase step (S10090) of purchasing gold with points accumulated after the point purchase post-processing step (S10083); In the gold purchasing step (S10090), a gold price providing step (S10100) of providing a gold price at a gold trading relay; After the gold price providing step (S10100), the gold purchase requestor purchase quantity (price) input step (S10110) in which the gold purchase requestor conditionally inputs the purchase quantity (price: Point) based on the provided gold price; After the gold purchase requester's purchase quantity (price) input step (S10110), a gold purchase and sales price match determination step (S10120) of determining whether the gold purchase amount and the sales price (Point) match; If there is no abnormality after the gold purchase and sale price match determination step (S10120), the contracted bank issues (transmits) a gold deposit, and a gold deposit issuance step (S10131) in which a gold deposit is issued (transmitted); Point automatic transmission step (S10132) of automatically transmitting the Point to the contracted bank after the gold deposit is confirmed after the gold deposit issuance step (S10131); It is a method of operating a gold transaction of an app for coin-point relay transaction, characterized in that consisting of; a termination step (S10140) that ends after the automatic point transmission step (S10132).

And, in the present invention, in the case where the coin holder does not form a coin wallet for computation in the step of determining the coin wallet formation for the coin holder (S10040), the coin holder generates a coin wallet for coin settlement under the guidance of the coin transaction relay station. Coin holder generating a coin wallet for settlement of coins (S10041); After the coin holder coin settlement coin wallet generation step (S10041), a coin replenishment step (S10042) in which the coin holder fills a certain amount of coins to the coin settlement coin wallet; After the coin replenishment step (S10042), a purchase point purchase quantity input step (S10050) of inputting the purchase quantity of the purchase point of the coin holder (Point purchase requester) is performed, and the point purchase quantity (price) comparison and determination step ( In S10060), when the transaction price according to the coin holding amount is less than the point purchase quantity (price), the coin holder is notified of the coin replenishment (S10042) by notifying the coin holder (S10061); After the point purchase quantity (price) comparison and determination step (S10060), a point purchase step (S10070) of purchasing a point; a method of operating a gold transaction of a coin-point relay transaction app linked to a bank, characterized in that it consists of to be.

In the present invention, after the gold purchase step (S10090), the Coin-Point relay transaction app determines whether or not a gold purchaser has subscribed to compensation insurance for compensation for damages in case of a transaction defect (S10091); At this time, if the Coin-Point relay transaction app is not subscribed to the compensation insurance, the insurance subscription procedure execution step (S10092) to brighten the'insurance subscription procedure' according to the insurance subscription terms; And, after the gold purchase requester's purchase quantity (price) input step (S10110), the Coin-Point relay transaction app displays an insurance premium based on the transaction volume and transaction amount of the gold transaction on the screen, the premium calculation display step (S10111). ); At this time, the insurance premium calculation factor input step (S10112) of determining whether the gold purchase requester has input the gold transaction amount and the transaction amount in the premium calculation display step (S10111); After the insurance premium calculation factor input step (S10112), the Coin-Point relay transaction app allows the gold buyer to pay the insurance premium based on the gold transaction volume and transaction amount (S10113); It is a gold transaction operation method of an app for coin-point relay transaction linked to a bank, characterized in that it consists of.

And, in the present invention, the coin exchanged for the points is an electronic cryptographic source 316 provided in the first file 315a, which is a basic unit of virtual currency linked to the general matching program 340a, is a general matching program 340a ), and the electronic algorithm source 416 provided by the fingerprint/finger vein algorithm 415 is converted in the general matching program 340a, and these are converted by the matching program 344 to the electronic cryptographic source and fingerprint/ The digital cryptocurrency transaction information server based on the blockchain is fused by the electronic algorithm source of the finger vein to enable transactions as a basic unit of virtual currency transmission, and the electronic algorithm source 416 of the donor's fingerprint or finger vein ( 200), it is a gold transaction operation method of an app for coin-point relay transactions linked with a bank, characterized in that it can be converted into an electronic algorithm source of the recipient's fingerprint or finger vein.

And, in the present invention, the electronic algorithm source of the fingerprint/finger vein is any one of the electronic algorithm source of the iris/face or QR/BAR, and the gold transaction operation of the coin-point relay transaction app linked to the bank. That's the way.

And, in the present invention, in the case of selecting the step of requesting Point purchase with the card (cash) (b), the card (cash)-the card (cash) in which the point purchase app is executed-the point purchase app execution step ( S10021); Point purchase requester purchase quantity input step (S10022) in which the point purchase requester inputs the purchase quantity on the computer designation screen after the card (cash)-point purchase app execution step (S10021); Point owner purchase price payment step (S10023) of conditionally paying the price to the point owner (individual or company) by card after the point purchase requester purchase quantity input step (S10022); Point owner sales price match determination step (S10024) of determining whether the point owner (individual or company) matches the sales price after the point owner purchase price settlement step (S10023); Point transmission step (S10025) of transmitting the Point to the terminal of the point purchase requester after the point owner's sales price match determination step (S10024); A transmission point match determination step (S10026) of determining whether a point transmitted after the point transmission step (S10025) matches the requested one; Point transmission completion step (S10027) in which point transmission is completed after the transmission point match determination step (S10026); After the point transmission completion step (S10027), the sale price settlement completion step (S10028) in which the sale price is settled when there is no abnormality in the point transmission; coin-point relay transaction linked with a bank, characterized in that How to operate the gold transaction of the dragon app.

Therefore, the present invention can trade gold by points rewarded according to product purchase activities by the gold transaction operation method of a coin-point relay transaction app linked with a bank, and by an institutional device that can store this in the bank. There is an effect that a system that can be applied to the real economy of coins can be guaranteed against the decline in currency value with gold.

In addition, the present invention establishes a system for purchasing gold with coins, so that it can be commonly used in all electronic commerce that can be generated by money online or offline anywhere in the world, and the coins distributed on Internet e-commerce sites By solving the problem of local availability, it is possible to eliminate the hassle of currency exchange when a user wants to conduct a commercial transaction abroad, and by providing a method of gold transaction so that an absolute evaluation rather than a relative value evaluation of currency can be made. There is an effect that the stability of the property value of the consumer can be guaranteed.

In addition, the present invention is linked to a shopping mall that seeks the stability of transactions by linking with a bank using a technology for linking with coins according to the release of virtual currency in a shopping mall connected without authentication by a phone number and point payment and utilization in the shopping mall. There is an effect that can trade virtual currency.

In addition, the present invention has an effect of not only producing a domain, which is a limitation of a numeric URL, but also creating and utilizing a new numeric URL by linking it.

In addition, the present invention has the effect of being able to directly decorate your own shopping mall, both operationally and economically, by receiving the number URL.

Here, by applying a guarantee insurance in coin transactions, there is an effect of establishing a system in which traders can trade safely.

In addition, there is an effect of providing an opportunity to generate profits according to price fluctuations of coins and to return discount benefits when repurchasing by linking points paid as rewards after purchasing goods in ordinary shopping malls.

Here, by enabling the exchange or transaction with the "coin" and the "point", it becomes an opportunity for the actual value of the coin to be recognized, and the reorganization of a system suitable for the internationalization trend of "coin" It will be an effect that can prevent activities that confuse the economic order due to excessive issuance.

In other words, when the "coin" is not recognized for its economic value, for example, an act of disturbing the economic order by issuing a "coin" by an insolvent company or an unqualified individual is eradicated.

1 is a schematic diagram of a bank transaction and electronic commerce relay processing in an authenticationless access method using a multiple security lock function including fingerprint recognition of a financial transaction relay system as a prior art of the present invention.
Figure 2 is an overall configuration diagram showing a transaction system of digital virtual currency having a block chain between parties of the prior invention applied to the present invention.
3 is a block diagram showing a system in which points generated in an online bank or e-commerce transaction of the prior invention applied to the present invention and coins traded in a cryptocurrency exchange are traded at a separate relay exchange .
4 is a block diagram illustrating a system for providing a numeric URL service according to an embodiment of the present invention.
FIG. 5 is a configuration diagram illustrating a number URL service providing server shown in FIG. 4.
6 is a diagram illustrating an embodiment in which a numeric URL service is implemented in a site provided by a numeric URL service providing server shown in FIG. 4.
7 is a block diagram illustrating an overall system capable of exchanging points and coins after editing My Mall using a system for providing a numeric URL service provided by a shopping mall connected to an affiliated site of the present invention.
8 is a video screen using an independent URL for inputting a phone number to access a shopping mall in an affiliated site of the present invention.
9 is a video screen for purchasing and utilizing a numeric domain of an affiliated site that is connected without authentication after entering a phone number to access an affiliated site by an independent URL of the present invention.
FIG. 10 is an image of registering a numeric domain after purchasing a numeric domain of an affiliated site connected without authentication after entering a phone number to access an affiliated site by an independent URL of the present invention, and inputting and registering a connection URL thereto This is the screen.
FIG. 11 is a diagram illustrating the registration of the numeric domain after purchasing the numeric domain of the unauthenticated affiliated site after entering the phone number to access the affiliated site by the independent URL of the present invention, and inputting and registering the connection URL. This is a video screen where you can edit My Mall by your own domain.
FIG. 12 shows the registration of the numeric domain after purchasing the numeric domain of the unauthenticated affiliated site after entering the phone number in order to access the affiliated site by the independent URL of the present invention, and inputting and registering the connection URL. This is a flowchart of a financial transaction method that allows you to edit My Mall by your own domain to purchase goods and exchange points and coins paid to them.
13, 14, 15 show that after purchasing the number domain of the affiliate site that is connected without authentication after entering the phone number in order to access the affiliate site by the independent URL of the present invention, the numeric domain is registered, and the connection URL is input thereto. And as a financial transaction method that allows users to edit My Mall by editing My Mall after registering and exchange the points paid for them into coins, a flowchart and a coin holder in which a point holder requests a transaction from a coin holder Is a flowchart for requesting a transaction from a point holder.
16 is a block diagram of matching a virtual currency with fingerprint/finger vein authentication information using a digital virtual currency transaction system having a block chain between parties of the present invention.
17 is a block diagram showing a transaction process of a digital virtual currency having a block chain between parties by using the transaction system of a digital virtual currency having a block chain between parties of the present invention.
FIG. 18 is a flow chart showing a transaction process of a digital virtual currency having a block chain between parties using the transaction system of a digital virtual currency having a block chain between the parties according to the present invention.
FIG. 19 is a flow chart (a) of the first half showing a transaction process of digital virtual currency having a block chain between parties subject to insurance subscription when using the transaction system of digital virtual currency having a block chain between parties of the present invention. .
FIG. 20 is a flowchart (b) of the second half showing a transaction process of digital virtual currency having a block chain between parties subject to insurance subscription when using the transaction system of digital virtual currency having a block chain between parties of the present invention. .
FIG. 21 is a method for calculating insurance premiums in the case of performing a transaction process of digital virtual currency having a block chain between parties subject to insurance subscription when using the transaction system for digital virtual currency having a block chain between parties of the present invention.
22 and 23 show the registration of the numeric domain after purchasing the numeric domain of the unauthenticated affiliate site after entering the phone number to access the affiliate site by the independent URL of the present invention, and inputting and registering the connection URL thereto This is a flowchart of a financial transaction method that allows you to apply a guarantee insurance when you edit My Mall by editing My Mall and exchange the points and coins paid to it.
24 and 25 are continuing to FIGS. 22 and 23, after entering a phone number in order to access the affiliated site by the independent URL of the present invention, after purchasing the numeric domain of the affiliated site connected without authentication, the numeric domain is registered. , This is a financial transaction method that allows you to edit My Mall by entering and registering the linking URL and then purchase items by editing My Mall and exchange points paid to them for coins.Point holders request a transaction from the Coin holder. This is a flowchart of a financial transaction method that can apply guarantee insurance when exchanging coins and points paid thereto, and a flowchart in which a coin holder requests a transaction from a point holder.
28 to 30 are flowcharts showing the steps of executing the Coin-Point relay transaction app running the Coin-Point relay transaction app, and FIG. 31 is a guarantee insurance procedure introduced into the Coin-Point relay transaction app of the present invention. This is a flowchart showing the steps of executing an app for Coin-Point relay transaction.
32 is a block diagram showing a system for trading gold in the Coin-Point relay trading app of the present invention.
FIG. 33 is a block diagram of matching virtual currency with iris/face authentication information using the transaction system of digital virtual currency having a block chain between parties of the present invention, and FIG. 34 is a digital virtual currency having a block chain between parties of the present invention. It is a block diagram showing the transaction process of digital virtual currency having a block chain between parties using a currency transaction system.
FIG. 35 is a block diagram of matching virtual currency with QR/BAR code authentication information using the transaction system of digital virtual currency having a block chain between parties of the present invention, and FIG. 36 is a digital diagram having a block chain between parties of the present invention. It is another block diagram showing the transaction process of digital virtual currency having a block chain between parties using a virtual currency transaction system.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those of ordinary skill in the art can easily implement the present invention.

Throughout the specification, when a part is said to be "connected" with another part, this includes not only "directly connected" but also "electrically connected" with another element interposed therebetween. . In addition, when a part "includes" a certain component, it means that other components may be further included, and one or more other features, not excluding other components, unless specifically stated to the contrary. It is to be understood that it does not preclude the presence or addition of any number, step, action, component, part, or combination thereof.

The terms "about", "substantially", and the like used throughout the specification are used in or near the numerical values when manufacturing and material tolerances unique to the stated meanings are presented, and the understanding of the present invention. To help, accurate or absolute figures are used to prevent unconscionable abusers from unduly using the disclosed disclosure. The term "~(step)" or "step of" as used in the entire specification of the present invention does not mean "step for".

In the present specification, the term "unit" includes a unit realized by hardware, a unit realized by software, and a unit realized using both. Further, one unit may be realized using two or more hardware, and two or more units may be realized by one hardware.

In the present specification, some of the operations or functions described as performed by the terminal, the device, or the device may be performed instead on the server connected to the corresponding terminal, device, or device. Similarly, some of the operations or functions described as being performed by the server may be performed in a terminal, apparatus, or device connected to the corresponding server.

In this specification, some of the operations or functions described as mapping or matching with the terminal means that the unique number of the terminal or identification information of the individual, which is identification data of the terminal, is mapped or matched. Can be interpreted as

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

Herein, a method for relaying financial transactions through a bank to transact virtual currency through a shopping mall of a numeric domain according to the present invention will be described.

First, after editing My Mall using the numeric URL service providing system provided by the shopping mall connected to the affiliated site of the present invention, an overall system capable of exchanging points and coins (hereinafter, used repeatedly with'virtual currency') Explain.

FIG. 7 is a configuration diagram illustrating an overall system for exchanging points and coins after editing My Mall by using a system for providing a numeric URL service provided by a shopping mall connected to an affiliated site of the present invention. It is a video screen by an independent URL for entering a phone number to access the shopping mall in the affiliated site of the invention, and FIG. 9 is a partnership connected without authentication after entering the phone number to access the affiliated site by the independent URL of the present invention This is a video screen that allows you to purchase and utilize the numeric domain of the site, and FIG. 10 shows the number after purchasing the numeric domain of the unauthenticated affiliated site after entering the phone number to access the affiliated site by the independent URL of the present invention. It is a video screen for registering a domain, and inputting and registering a connection URL thereto, and FIG. 11 is a video screen for entering a phone number to access an affiliated site by an independent URL of the present invention, This is a video screen that allows you to register a numeric domain later, enter and register a connection URL thereto, and edit My Mall by your own domain.

As shown in FIG. 7, FIG. 7 is for explaining the overall system for exchanging points and coins after editing My Mall by using the number URL service providing system provided by the shopping mall connected to the affiliated site of the present invention. It is a configuration diagram.

Company A server (AllIT Giga Co., Ltd.) 910, which a customer (or becomes a member when signing up by membership) visits, is linked with Company B server (eg, Giga Korea Co., Ltd.) 920, and is a company A server If the customer's phone number is entered in the phone number input field 912 on the site by (AllIT Giga Co., Ltd.) 910, the connection is made without authentication, and all products can be purchased from the company B server (eg, Giga Korea Co., Ltd.). You can, and after purchase, we operate a system in which reward points are accumulated in your point saving account.

Here, the company B server (eg, Giga Korea Co., Ltd.) is linked to the company B interlocking bank server 992 to make deposits and withdrawals with customers.

When customers purchase items at Showim Mall 921 linked to Company B's server (eg, Giga Korea Co., Ltd.) 920, a part of the purchase price (part of the company's margin) is paid as points to the customer. do.

As will be described later, all of the above points are that the system has been established to enable exchange for coins.

As shown on the right, members can access the company B server (eg, Giga Korea Co., Ltd.) 920 to receive the numeric domain (ND) for sale (explained in prior art 3).

The company A server (AllIT Giga Co., Ltd.) 910 is linked to the company B server (eg, Giga Korea Co., Ltd.) 920 to purchase the numerical domain (ND) in advance, and the purchased numeric domain (ND) ) Is sold to members (in this case, it would be better to pay a portion of the profits, like the usual sale of shopping malls).

In other words, by pre-sale of numeric domains operated by Company A's server (AllIT Giga Co., Ltd.)(910), create a member's own Shopping-Mall, and edit and operate My Mall (Company C) pre-sale server 930 in person. At this time, you can raise sales (profit) independently by promoting My Mall's sales ID to acquaintances.

The My Mall (Company C) pre-sale server 930 can edit its own shopping mall using tools such as build and editor,

What is a builder here? It means a tool that builds and maintains a shopping mall, homepage, and SNS, and what is an editor? It refers to a tool that makes it easy to edit and produce web contents, and how to use it is 1) Apply for a numeric domain rental 2) Study how to operate 3) Promote your phone number or numeric domain 4) Use (page planning, layout adjustment) 5 ) The shopping mall's performance can be used in the order of online settlement.

In the completed My Mall (Company C) pre-sale server 930, the D-company sales ID mall server 940 operates at the forefront.

Here, the purchase compensation points generated by the sale of the company D's sales ID mall server 940 are accumulated in the individual's point saving account, and the points are transmitted to the company A server (AllIT Giga Co., Ltd.) 910.

The company A server (AllIT Giga Co., Ltd.) 910 that received the points of the objection operates a program that is controlled to be exchanged for coins.

Reference numeral 913a is an enlarged view of the company A domain 913.

In this case, after entering the phone number to access the affiliate site using the independent URL of the present invention in Figs. 13, 14, 15, after purchasing the numeric domain of the affiliate site that is connected without authentication, register the numeric domain, and connect it. This is a financial transaction method in which you can edit My Mall by entering and registering the URL and then purchase goods by editing My Mall, and exchange the points paid to them for coins. A flowchart in which a point holder requests a transaction from a coin holder. And Coin holders can refer to the flowchart for requesting a transaction from the Point holder.

As shown in FIG. 8, FIG. 8 is a video screen using an independent URL for inputting a phone number to access a shopping mall in an affiliated site of the present invention.

When Company A domain (e.g., www.allitgiga.com) (913) is entered on the general departure screen, Company A's phone number screen 912 appears, and on this screen the user's mobile phone number input guide (914a) and phone number The input field 914b and the unauthorized access guide 914c are formed, and if you enter your phone number in the blank phone number input field 914b, the computer server that recognizes this can use the numeric domain without authentication. The B four-digit domain utilization screen 920a appears.

The domain at this time is also displayed as www.allitgiga.com (920b), so that it is possible to know which domain address the customer is clicking on.

Reference numeral 920bb is an enlarged view of www.allitgiga.com (920b).

As shown in FIG. 9, FIG. 9 is a video screen for purchasing and utilizing the numeric domain of an affiliated site connected without authentication after entering a phone number to access an affiliated site by an independent URL of the present invention.

The B four-digit domain utilization screen 920a has a producer utilization app selection button 920c, a seller utilization app selection button 920d, and a consumer utilization app selection button 920e. Can be utilized.

In addition, a numeric domain purchase button 920f is formed on the far right, and a numeric domain can be purchased by selection.

Here, when purchasing a numeric domain, 10 digits are entered as 11, 22, 33, 44, 55 in the blank as an example, and when this is entered, the selected numeric domain field (920g), which is the area of the selected numeric domain, is displayed. It is purchased.

The following describes a method of configuring My Mall after the numeric domain is purchased.

As shown in Fig. 10, Fig. 10 registers the numeric domain after purchasing the numeric domain of the affiliated site without authentication after entering the phone number to access the affiliated site by the independent URL of the present invention. This is a video screen for entering and registering the connection URL.

First, when you click the buy button numeric domain (920f), the www.gigaroom.com domain screen 950 is displayed by www.gigaroom.com domain (951), from here to the screen to register their domain numbers To do this, the numeric domain registration button 952 is clicked.

At this time, the screen has a field where you can enter the numeric domain number to be registered, and after entering 01, 02, 03, 04, 33, the number of the numeric domain selected by you, your own connection URL ( 954), 01020198233.gigawon.co.kr, and then clicking the registration button 955, they are linked and the My Mall video screen 960, which is the video screen of My Mall as shown in FIG. 11, appears.

As shown in FIG. 11, FIG. 11 registers the numeric domain after purchasing the numeric domain of the affiliated site connected without authentication after entering the phone number in order to access the affiliated site by the independent URL of the present invention. This is a video screen where you can edit My Mall by your own domain after entering and registering the connection URL.

Following this, My Mall domain (961) is used as 01020198233.gigaroom.com using the number of the number domain of the registered URL of my connection. If you click Edit (962), My Mall domain, the screen of the numeric domain, is used. As the mall video screen 960 appears, the edit screens 964a, 964b, and 964c that can be edited are displayed, and these screens can be edited using a tool called build and editor. will be.

The following describes a financial transaction method for purchasing goods by editing My Mall by using your own domain of the present invention, and exchanging points and coins paid thereto.

FIG. 12 shows the registration of the numeric domain after purchasing the numeric domain of the unauthenticated affiliated site after entering the phone number in order to access the affiliated site by the independent URL of the present invention, and inputting and registering the connection URL. It is a flowchart of a financial transaction method that allows you to edit My Mall by editing My Mall by your own domain, and exchange points and coins paid thereto, and Figs. 13, 14, 15 are directed to an affiliated site by an independent URL of the present invention. After entering the phone number for access, after purchasing the numeric domain of the unauthenticated affiliated site, register the numeric domain, enter and register the linking URL, edit My Mall by using your own domain to purchase goods And, as a financial transaction method that can exchange the points paid for it into coins, it is a flowchart in which a point holder requests a transaction from a coin holder, and a flowchart in which a coin holder requests a transaction from the point holder.

As shown in FIG. 12, a description will be given of a financial transaction method (S7000) in which items are purchased by editing My Mall by their own domain, and points and coins are exchanged.

First, the step of turning on the computer and inputting the URL of the company A (the subject's smartphone or computer) (S7100);

Providing a non-authenticated access program for linking with the shopping mall of B without authentication by inputting the phone number of the customer in the shopping mall server computer of Company A (S7200);

An authentication connection click step (S7300) in which a smartphone or a computer inputs a phone number to access an affiliate site and clicks an authentication connection;

After the authentication-free access click step (S7300), a purchase program providing step (S7400) of providing a numeric domain purchase program in a shopping mall of Company B and a numeric domain sales main computer;

Sales of shopping malls and numeric domains of company B where the customer's computer is unauthenticated.After applying for purchase through the numeric domain purchase program at the main computer, enter the numeric domain number to be registered for purchase by specifying the numeric domain, and then click OK. Number input action step (S7500);

After the numeric domain number input action step (S7500), a connection URL input action in which a connection URL is input to the numeric domain number input to form My Mall in the smartphone or computer using a phone number, etc. Step S7600;

After the connection URL input action step (S7600), the My Mall configuration program providing step (S7700) of providing a program for configuring My Mall in the shopping mall of Company B and the main computer selling the numeric domain;

After the My-Mall configuration program providing step (S7700), a My-Mall editing operation step (S7800) in which the customer edits My-Mall (Build or Editer is a tool for editing, and uses it);

In the My-Mall editing operation step (S7800), a product purchase/action step (S7900) of purchasing/taking a product from the main computer of the company B's shopping mall and the number domain sale;

After the product purchase/action step (S7900), the reward point transfer step of accumulating reward points for the sales commission for each product in the main computer for selling the shopping mall and numeric domain of Company B or My Mall, and transferring them to the shopping mall server computer of Company A individually. (S8000);

After the reward point transfer step (S8000), a Point-Coin exchange request step (S8100) of requesting by exchanging points for coins on the customer's smartphone or computer;

After the Point-Coin exchange request step (S8100), a Point-Coin exchange accrual step (S8300) of exchanging and accumulating points of the customer upon establishing a transaction;

It consists of a termination step (S8300) that ends after the Point-Coin exchange accumulation step (S8300).

13, 14, 15 show that after purchasing the number domain of the affiliate site that is connected without authentication after entering the phone number in order to access the affiliate site by the independent URL of the present invention, the numeric domain is registered, and the connection URL is input thereto. And as a financial transaction method that allows users to edit My Mall by editing My Mall after registering and exchange the points paid for them into coins, a flowchart and a coin holder in which a point holder requests a transaction from a coin holder Is a flowchart for requesting a transaction from a point holder.

13, 14, 15 are flowcharts in which a Point holder requests a transaction from a Coin holder according to a mutual request of the present invention. As shown in the drawing, an online bank and an e-commerce system 4000 from the start step (S8400) When the holder of the point rewarded in requests the holder of the coin stored in the virtual currency trading system (3000) to exchange or trade Coins, turn on the smartphone or computer, enter the URL of Company A (the head office of the subject side) , The point holder clicks to run the Coin-Point relay transaction app (S8500);

Accordingly, the Point-Coin Exchange Selection Step (S8600) to determine whether the customer requests to exchange his Point for Coin through the Coin-Point intermediary transaction app and whether to request the exchange of his Coin for Point (S8600) ;Wow,

When the customer selects the step of requesting the exchange of their Points for Coins through the Coin-Point relay transaction app (a), Coin-Point that allows the above smartphone or computer to run the Coin-Point relay transaction app Step of executing an app for relay transaction (S4001);

Coin sales quantity and price input step (S4002) in which the point holder inputs the sales quantity and price of the coin requesting the transaction from the smartphone or computer;

Coin holder coin (conditional) transfer step (S4003) in which the coin holder who desires the coin transaction conditionally inputs the coin to the bank account of the point holder;

A coin transaction approval step (S4004) of determining whether the coin transmitted in the coin (conditional) transfer step (S4003) from the smartphone or computer matches the quantity presented by the point holder to accept the transaction;

If the two do not match, there is a retransmission notification step in which the donor is notified to transmit the coin again.

In the coin transaction acceptance step (S4004), when the quantity of coins is matched, a coin transfer step (S4005) of transmitting the coin to the recipient terminal;

Here, the authentication signal can be further used in the transmission step. The authentication signal is a concept that includes not only numeric signals such as password, password, OTP reply number, etc., but also an enter signal. Say. It is the same below.

The following is a Coin that runs the Coin-Point relay app on the smartphone or computer when the customer selects the step of requesting the exchange of their Coin for Point through the Coin-Point relay transaction app. -Step of executing an app for point relay transaction (S3001);

Executing the Coin-Point relay transaction app for executing the Coin-Point relay transaction app on the smartphone or computer (S3001);

Coin sales quantity and price input step (S3002) for allowing the coin holder to input the sales quantity and price of the coin requesting the transaction from the smartphone or computer;

Point holder coin price (conditional) deposit step (S3003) in which the point holder who wants the coin transaction conditionally inputs the price to the coin holder's bank account;

The sales price match determination step (S3004) of determining whether the amount deposited in the point holder coin payment step (S3003) in the smartphone or computer matches the amount presented by the coin holder (S3004);

If the two do not match, the re-deposit notification step (S3005) of notifying the buyer to deposit the sales price again;

Coin transfer step (S3006) of transmitting the coin to the recipient terminal when the deposit of the sale price is matched in the sales price match determination step (S3004);

Here, the authentication signal can be further used in the transmission step. The authentication signal is a concept that includes not only numeric signals such as password, password, OTP reply number, etc., but also an enter signal. Say. It is the same below.

The coin transfer completion and sale price payment completion step (S3007), wherein the coin holder completes the coin transfer and is finally approved to pay the sale price;

Thereafter, the coin transfer completion and the sale price payment completion step (S3007) is performed, and the transaction termination step (S3008) is performed.

Here, the biometric information includes fingerprint or/and finger vein information, iris information, and face information.

As described above, the process of implementing a method for a coin holder to request a transaction from a point holder using a smartphone or computer was described.

The following describes a block diagram of matching virtual currency with fingerprint/finger vein authentication information using a digital virtual currency transaction system having a block chain between parties of the present invention.

16 is a block diagram of matching a virtual currency with fingerprint/finger vein authentication information using a digital virtual currency transaction system having a block chain between parties of the present invention.

The main controller (CPU) 340 shown in the block diagram for matching the virtual currency with biometric authentication information using the transaction system of digital virtual currency having a block chain between parties of the present invention in FIG. 16 is encrypted as described above. A donor terminal 300 including a virtual currency 315, an encrypted fingerprint/finger vein algorithm 415 as described above, a fingerprint/finger vein recognizer, and a recipient terminal including a fingerprint/finger vein recognizer ( 400) and the electronic cryptographic source of the encrypted virtual currency 315 (including the "file name" or the "node" of the virtual currency in which the virtual currency is formed) and the fingerprint/finger vein algorithm 415 It consists of a conversion device 500 for matching the algorithm source, and a donor-recipient fingerprint/finger vein conversion device 600 that converts the donor's virtual currency into the donor's virtual currency.

Hereinafter, an embodiment of performing a transaction process of a digital virtual currency having a block chain between parties of the present invention will be described in detail with reference to the accompanying FIGS. 17 and 18.

17 is a block diagram showing a transaction process of digital virtual currency having a block chain between parties by using the transaction system of digital virtual currency having a block chain between the parties of the present invention, and FIG. 18 is It is a flow chart showing the transaction process of digital virtual currency with blockchain between parties using a transaction system of digital virtual currency with blockchain.

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

Non-explanatory symbols 315b and 315c denote the number of second and third files of virtual currency following the first file, which is the basic unit of the virtual currency.

Of course, in order to transmit a large amount, it is desirable to create and operate a batch payment program.

In FIG. 18, since the same procedure as in the conventional transmission method is used as it is, it will be described as an essential component of the present invention.

In the reference numerals, reference numerals of technical content identical to those of the prior art are used identically.

First, when the donor terminal 300 executes the donor-side blockchain-based digital virtual currency transaction app 310 mounted according to the donor's selection (S110), the executed donor-side blockchain-based digital virtual currency transaction app 310 controls a block chain-based digital virtual currency transaction screen 510 that is stored and managed to be output and displayed (S120) through the information output unit 301 of the donor terminal 300.

At this time, in order to prevent the exposure of all information, whether the electronic cryptographic source of the virtual currency (including the "file name" or the "node" of the virtual currency in which the virtual currency is formed) is matched with the electronic algorithm source of the fingerprint or finger vein. It is requested by the fingerprint or/and finger vein authentication means, and it is determined whether the virtual currency and the fingerprint or/and finger vein authentication information are matched (S130a).

If the above conditions are not satisfied, the transaction is terminated, and then, the donor terminal 300 displays the amount display column 511 on the blockchain-based digital virtual currency transaction screen 510 displayed through the information output unit 301. ), when clicking the transfer menu 514 in the instant messenger selection field 512 and text input field 513 according to the input format, the donor's blockchain-based digital virtual currency transaction app 310 is A transaction request signal for a donor is generated by collecting the amount information of the digital virtual currency input through the chain-based digital virtual currency transaction screen 510, the optional IM identification information, and the stored and managed donor's personal information. It is transmitted to the currency transaction information server 200 (S130).

Thereafter, the blockchain-based digital virtual currency transaction information server 200 transmits the donor transaction request signal from the donor terminal 300, and stores the donor's personal information included in the donor transaction request signal as a member list information DB 211 By matching with, after confirming that the member is a member, a recipient recognition URL (A) that guides the recipient to recognize the recipient who is gifted with a digital virtual currency with a block chain is generated and transmitted to the donor terminal 300 (S140).

Thereafter, when the donor's blockchain-based digital virtual currency transaction app 310 of the donor terminal 300 is transmitted from the blockchain-based digital virtual currency transaction information server 200, the recipient recognition URL (A) is transmitted, the selection IM identification When the donor's instant messenger corresponding to the information is controlled to be automatically executed, the donor's instant messenger URL display guide screen (see Fig. 3b) is displayed with the donor recognition URL (A) inserted into the automatically executed donor's instant messenger. Control to be output through the information output unit 301 (S150).

Thereafter, the donor's instant messenger of the donor terminal 300 designates the donor account of the instant messenger requesting the donor to deliver the recipient recognition URL (A) through the donor designation guide screen (see Fig. 3c) for the donor's instant messenger. Then, the recipient recognition URL (A) is transmitted to the recipient terminal 400 corresponding to the recipient account (S160).

Thereafter, the recipient-side instant messenger of the recipient terminal 400 outputs a URL display guide screen for the recipient-side instant messenger (see FIG. 3D) in which the transmitted recipient recognition URL (A) is inserted and displayed through the information output unit 401 ( S170).

Thereafter, when the recipient recognition URL (A) displayed on the recipient's instant messenger of the recipient terminal 400 is clicked, the recipient's blockchain-based digital virtual currency transaction app 410 is automatically executed (S180) in connection with this. .

The beneficiary's blockchain-based digital virtual currency transaction app 410 of the automatically executed donor terminal 400 generates a personal information signal for recipient authentication that includes the personal information of the recipient who is gifted with a digital virtual currency having a blockchain. This is controlled to be transmitted to the digital virtual currency transaction information server 200 (S190).

Thereafter, the blockchain-based digital virtual currency transaction information server 200, when the personal information signal for the recipient authentication is transmitted from the recipient terminal 400, the recipient's personal information included in the personal information signal for the recipient authentication member list information DB After matching with (211), after confirming that the recipient is a member, the electronic wallet list information DB (212) deducts the amount to be presented to the recipient from the amount information of the blockchain-based digital virtual currency stored in the electronic wallet information of the donor, and deducts the amount. After accumulating the amount information of the blockchain-based digital cryptocurrency stored in the electronic wallet information of the recipient, the transaction information for digital cryptocurrency transaction with the blockchain is generated based on this, and it is sent to the designated blockchain holding servers 100. Transmit (S200).

At this time, the blockchain-based digital virtual currency transaction guide server 200 includes an electronic cryptographic source of the virtual currency (including the "file name" or the "node" of the virtual currency in which the virtual currency is formed) and an electronic algorithm source of a fingerprint or finger vein. It is determined whether there is a request to convert the donor of the matched virtual currency into a recipient according to an authentication signal of a fingerprint or a finger vein, and converts the information of the donor-recipient's fingerprint or finger vein authentication information conversion step (S210a). do.

Thereafter, when the designated individual blockchain holding server 100 transmits the transaction information for digital virtual currency transaction with the blockchain, it verifies the transaction information for digital virtual currency transaction with the transmitted blockchain. The transaction is authenticated by authenticating the cryptocurrency transaction, and recording transaction information for digital cryptocurrency transaction with a block chain (S210) according to the authentication.

Thereafter, the blockchain-based digital virtual currency transaction information server 200 transmits a message to the donor terminal 300 indicating that a digital virtual currency having a blockchain has been paid to the donor.

Thereafter, the donor side of the donor terminal 300, the donor side of the donor side corresponding to the optional IM identification information when a message is transmitted from the blockchain-based digital virtual currency transaction information server 200. In a state in which the instant messenger is automatically executed, a payment confirmation guide screen for the donor-side instant messenger (refer to FIG. 3E) displayed by inserting a message into the automatically executed donor-side instant messenger is controlled to be output through the information output unit 301 .

In addition, the donor-side blockchain-based digital virtual currency transaction app 410 of the donor terminal 400 allows the recipient-side instant messenger to be automatically executed when a message is transmitted from the blockchain-based digital virtual currency transaction information server 200. In the controlled state, the information output unit 401 controls the information output unit 401 to output the information display unit 401 with a message inserted and displayed on the recipient's side instant messenger.

Another bitcoin (same concept as virtual currency) is a blockchain structure that collects and encrypts transmission records made in the network, and is a cryptocurrency (crypto-currency) that does not have a subject of currency issuing. In the transaction method of Bitcoin (same concept as currency), by executing a program mounted on a computer constituting the Bitcoin (same concept as virtual currency) network, it authenticates the transaction of Bitcoin (same concept as virtual currency) Mining and obtaining the same concept as virtual currency); A cryptocurrency exchange when executing a program installed on a computer and trading bitcoins (same concept as virtual currency) obtained by mining and purchasing for the transaction of bitcoin (same concept as virtual currency) as a program executed by a computer Generating a web wallet address of a member's exchange on a cryptocurrency exchange server by executing a member server equipped with a program provided by the server or a program mounted on the member computer; Bitcoin (same concept as virtual currency) transaction through a cryptocurrency exchange server equipped with a database (DB) that stores the transaction details of bitcoins (same concept as virtual currency) transacted by executing a program installed on the member server or member computer Generating an address of an exchange general wallet for a cryptocurrency exchange server; And generating the member's exchange address stored in the cryptocurrency exchange server in order to trade bitcoin (same concept as the virtual currency) by executing a program mounted on the member server or the member computer.

At this time, the donor's biometric authentication is requested by the fingerprint or/and finger vein authentication means for identity authentication before sending the bitcoin (same concept as the virtual currency). Here, it is determined whether fingerprint or/and finger vein authentication is performed. Step to do;

At this time, whether the electronic encryption source of the virtual currency (including the "file name" or the "node" of the virtual currency in which the virtual currency is formed) and the electronic algorithm source of the fingerprint or finger vein are matched with the fingerprint or/and finger vein authentication means And determining whether the virtual currency and fingerprint or finger vein authentication information are matched; Created on the cryptocurrency exchange server from the member's exchange web wallet address created on the cryptocurrency exchange server to expedite bitcoin (same concept as virtual currency) transactions by executing a program installed on the member server or member computer. Transmitting bitcoin (same concept as virtual currency) to an exchange general wallet address; While the program installed on the cryptocurrency exchange server is running, transfer of bitcoins (same concept as the virtual currency) from the member's own exchange web wallet address created on the cryptocurrency exchange server to the exchange general wallet address created on the exchange server. And confirming.

At this time, if it is confirmed that bitcoin (same concept as virtual currency) has been transmitted, execute the program installed on the cryptocurrency exchange server and store it as the member's exchange address, not the actual bitcoin (same concept as the virtual currency). Depositing and processing bitcoins (same concept as virtual currency) by changing a numerical value on a database mounted on a cryptocurrency exchange server; And when a transaction of bitcoin (same concept as a virtual currency) is completed due to a numerical change in the database mounted on the cryptocurrency exchange server, a bitcoin (virtual currency) comprising the step of offsetting the pre-deposited portion without deposit processing into the member's database The same concept as money) is about the transaction method.

At this time, if necessary, fingerprint or designate the donor of the virtual currency matched with the electronic cryptographic source of the virtual currency (including the "file name" or the virtual currency "node" in which the virtual currency is formed) and the electronic algorithm source of the fingerprint or finger vein. It is possible to perform a step of converting the donor-recipient's fingerprint or finger vein authentication information to determine whether there is a request for conversion to the recipient by the authentication signal of the MAC, and to convert the information.

In summary, in the present invention, the main controller (CPU) 340 for matching the virtual currency with biometric authentication information using a transaction system of digital virtual currency having a block chain between parties is an encrypted virtual currency 315 and It consists of a fingerprint/finger vein algorithm 415, a donor terminal 300 including a fingerprint/finger vein reader, and a recipient terminal 400 including a fingerprint/finger vein reader, and cryptocurrency encrypted therein Conversion device 500 that matches the electronic encryption source of 315 and the electronic algorithm source 416 of the fingerprint/finger vein algorithm 415, and the donor-recipient fingerprint that converts the donor's virtual currency into the donor's virtual currency / It consists of a vein conversion device (600).

Then, the electronic cryptographic source 316 provided in the first file 315a, which is the basic unit of the virtual currency linked to the general matching program 340a, is converted in the general matching program 340a, and the fingerprint/finger vein algorithm 415 The electronic algorithm source 416 provided in) is converted in the general matching program 340a, and these are fused by the electronic cryptographic source of the virtual currency and the electronic algorithm source of the fingerprint/finger vein by the matching program 344 to virtual currency At the same time, the fingerprint or finger vein electronic algorithm source 416 is a donor-recipient fingerprint/finger vein conversion device by the blockchain-based digital virtual currency transaction information server 200 while allowing transactions to be performed as a basic unit of transmission. It is a method of issuing digital virtual currency that is transmitted by interlocking with a biometric authentication signal, characterized in that the digital virtual currency 600 can be converted into an electronic algorithm source of the recipient's fingerprint or finger vein.

The following describes the procedure for purchasing a security insurance when trading coins.

Hereinafter, embodiments of the present invention will be described in detail with reference to FIGS. 19 and 20.

FIG. 19 is a flow chart (a) of the first half showing a transaction process of digital virtual currency having a block chain between parties subject to insurance subscription when using the transaction system for digital virtual currency having a block chain between parties of the present invention. , FIG. 20 is a flow chart of the second half showing the transaction process of digital virtual currency with blockchain between parties subject to insurance subscription when using the transaction system of digital virtual currency with blockchain between parties of the present invention (b) to be.

In Figs. 19 and 20, the same matters as those shown in the conventional transmission method are used as they are, and thus, they are described as essential elements of the present invention.

In the reference numerals, reference numerals of technical content identical to those of the prior art are used identically.

In the method of transacting cryptocurrency (Crypto-Currency) without a subject of issuing money in a blockchain structure that collects and encrypts transmission records made in a network, first, the donor terminal 300 is mounted according to the donor's selection. An app or web execution step (S110) for executing the donor's blockchain-based digital virtual currency transaction app 310 or hybrid web is performed.

First, when the donor terminal 300 executes the donor-side blockchain-based digital virtual currency transaction app 310 mounted according to the donor's selection (S110), the executed donor-side blockchain-based digital virtual currency transaction app 310 controls a block chain-based digital virtual currency transaction screen 510 that is stored and managed to be output and displayed (S120) through the information output unit 301 of the donor terminal 300.

At this time, if the donor terminal 300 is not subscribed to the compensation insurance, the'insurance subscription procedure' is disclosed according to the insurance subscription terms and conditions (in the case of insurance premiums, the calculation standard is determined by the transaction volume or amount of virtual currency). Performs the step of implementing the insurance subscription procedure (S130d).

If the above conditions are not satisfied, the transaction is restarted. After that, the donor terminal 300 displays the amount display column on the blockchain-based digital virtual currency transaction screen 510 displayed through the information output unit 301 ( 511), in the instant messenger selection column 512 and the text entry column 513, when the transmission menu 514 is clicked in the state that it is entered according to the input form, the donor's blockchain-based digital virtual currency transaction app 310 A transaction request signal for donors is generated by collecting the amount information of the digital virtual currency input through the blockchain-based digital virtual currency transaction screen 510, the optional IM identification information, and the stored and managed donor's personal information. Transmit it to the virtual currency transaction information server 200 (S130).

Thereafter, the blockchain-based digital virtual currency transaction information server 200 transmits the donor transaction request signal from the donor terminal 300, and stores the donor's personal information included in the donor transaction request signal as a member list information DB 211 By matching with, after confirming that the member is a member, a recipient recognition URL (A) that guides the recipient to recognize the recipient who is gifted with a digital virtual currency with a block chain is generated and transmitted to the donor terminal 300 (S140).

Thereafter, when the donor's blockchain-based digital virtual currency transaction app 310 of the donor terminal 300 is transmitted from the blockchain-based digital virtual currency transaction information server 200, the recipient recognition URL (A) is transmitted, the selection IM identification When the donor's instant messenger corresponding to the information is controlled to be automatically executed, the donor's instant messenger URL display guide screen (see Fig. 3b) is displayed with the donor recognition URL (A) inserted into the automatically executed donor's instant messenger. Control to be output through the information output unit 301 (S150).

Thereafter, the donor's instant messenger of the donor terminal 300 designates the donor account of the instant messenger requesting the donor to deliver the recipient recognition URL (A) through the donor designation guide screen (see Fig. 3c) for the donor's instant messenger. Then, the recipient recognition URL (A) is transmitted to the recipient terminal 400 corresponding to the recipient account (S160).

Thereafter, the recipient-side instant messenger of the recipient terminal 400 outputs a URL display guide screen for the recipient-side instant messenger (see FIG. 3D) in which the transmitted recipient recognition URL (A) is inserted and displayed through the information output unit 401 ( S170).

Thereafter, when the recipient recognition URL (A) displayed on the recipient's instant messenger of the recipient terminal 400 is clicked, the recipient's blockchain-based digital virtual currency transaction app 410 is automatically executed (S180) in connection with this. .

The beneficiary's blockchain-based digital virtual currency transaction app 410 of the automatically executed donor terminal 400 generates a personal information signal for recipient authentication that includes the personal information of the recipient who is gifted with a digital virtual currency having a blockchain. This is controlled to be transmitted to the digital virtual currency transaction information server 200 (S190).

At this time, passing through the personal details signal transmission step (S190) for the recipient authentication. The blockchain-based digital virtual currency transaction guide server 200 determines whether or not to subscribe to compensation insurance (S190a) to determine whether the recipient has subscribed to compensation insurance to compensate for damages in case of a transaction defect.

At this time, if the donor terminal 300 is not subscribed to the compensation insurance, the'insurance subscription procedure' is disclosed according to the insurance subscription terms and conditions (in the case of insurance premiums, the calculation standard is determined by the transaction volume or amount of virtual currency). The insurance subscription procedure implementation step (S190b) to be performed is performed.

If the above conditions are not satisfied, the transaction is restarted, and then, the blockchain-based digital virtual currency transaction information server 200 provides the transaction volume and transaction of the virtual currency to the donor terminal 300 and the recipient terminal 400. An insurance premium calculation display step (S190c) of displaying an insurance premium based on the amount on the screen is performed.

Thereafter, the blockchain-based digital virtual currency transaction information server 200 provides insurance premiums based on the transaction volume and transaction amount of the virtual currency on the donor terminal 300 and the recipient terminal 400 (hereinafter referred to as'virtual currency insurance premium'. ) Performs the insurance premium payment determination step (S190d) to determine whether or not the donor or recipient will pay (the payment method (payer) of the virtual currency premium is determined by the'insurance subscription terms').

Thereafter, the blockchain-based digital virtual currency transaction information server 200, when the personal information signal for the recipient authentication is transmitted from the recipient terminal 400, the recipient's personal information included in the personal information signal for the recipient authentication member list information DB After matching with (211), after confirming that the recipient is a member, the electronic wallet list information DB (212) deducts the amount to be presented to the recipient from the amount information of the blockchain-based digital virtual currency stored in the electronic wallet information of the donor, and deducts the amount. After accumulating the amount information of the blockchain-based digital cryptocurrency stored in the electronic wallet information of the recipient, the transaction information for digital cryptocurrency transaction with the blockchain is generated based on this, and it is sent to the designated blockchain holding servers 100. Transmit (S200).

Thereafter, when the designated individual blockchain holding server 100 transmits the transaction information for digital virtual currency transaction with the blockchain, it verifies the transaction information for digital virtual currency transaction with the transmitted blockchain. The transaction is authenticated by authenticating the cryptocurrency transaction, and recording transaction information for digital cryptocurrency transaction with a block chain (S210) according to the authentication.

Thereafter, the blockchain-based digital virtual currency transaction information server 200 transmits a message to the donor terminal 300 indicating that a digital virtual currency having a blockchain has been paid to the donor.

Thereafter, the donor side of the donor terminal 300, the donor side of the donor side corresponding to the optional IM identification information when a message is transmitted from the blockchain-based digital virtual currency transaction information server 200. In a state in which the instant messenger is automatically executed, a payment confirmation guide screen for the donor-side instant messenger (refer to FIG. 3E) displayed by inserting a message into the automatically executed donor-side instant messenger is controlled to be output through the information output unit 301 .

In addition, when a message is transmitted from the blockchain-based digital virtual currency transaction information server 200, the recipient's blockchain-based digital virtual currency transaction app 410 of the donor terminal 400 automatically executes an instant messenger on the recipient's side. In the controlled state, the information output unit 401 controls the information output unit 401 to output the information display unit 401 with a message inserted and displayed on the recipient's side instant messenger.

The following explains how to calculate insurance premiums when trading virtual currency in an example form.

FIG. 21 is a method for calculating insurance premiums in the case of performing a transaction process of digital virtual currency having a block chain between parties subject to insurance subscription when using the transaction system for digital virtual currency having a block chain between parties of the present invention.

At the top of the table, you select the insurance type, and then enter the transaction volume and transaction amount, and this is how the insurance premium is calculated.

The genital insurance type is notified in a way that is notified to traders in advance by setting a separate standard, and after knowing this, the type can be selected.

In the following, as another embodiment, a system for providing security insurance so that a trader can safely trade in coin transactions will be described with reference to FIGS. 22 to 26.

22 and 23 show the registration of the numeric domain after purchasing the numeric domain of the unauthenticated affiliate site after entering the phone number to access the affiliate site by the independent URL of the present invention, and inputting and registering the connection URL thereto It is a flow chart of a financial transaction method that can apply a guarantee insurance when purchasing goods by editing My Mall by using your own domain after making it, and exchanging points and coins paid thereto, and FIGS. 24 and 25 are , Following 23, after entering the phone number to access the affiliate site by the independent URL of the present invention, after purchasing the numeric domain of the affiliate site that is connected without authentication, register the numeric domain, and input the connection URL thereto. It is a financial transaction method that allows you to edit My Mall using your own domain after registration and purchase goods, and exchange points paid thereto for coins. A flowchart in which a point holder requests a transaction from a coin holder and This is a flowchart of a financial transaction method that can apply guarantee insurance when exchanging coins and points, and a flowchart in which a coin holder requests a transaction from a point holder.

First of all, the present invention includes the steps of turning on the computer and inputting the URL of the company A (the subject's smartphone or computer) (S7100); Providing a non-authenticated access program for linking with the shopping mall of B without authentication by inputting the phone number of the customer in the shopping mall server computer of Company A (S7200); The smartphone or computer inputs a phone number to access the affiliated site, and clicks an unauthorized connection (S7300) of clicking an unauthorized connection.

After the authentication-free access click step (S7300), a purchase program providing step (S7400) of providing a numeric domain purchase program in a shopping mall of Company B and a numeric domain sales main computer; Sales of shopping malls and numeric domains of company B where the customer's computer is unauthenticated.After applying for purchase through the numeric domain purchase program at the main computer, enter the numeric domain number to be registered for purchase by specifying the numeric domain, and then click OK. Number input action step (S7500); After the numeric domain number input action step (S7500), a connection URL input action in which a connection URL is input to the numeric domain number input to form My Mall in the smartphone or computer using a phone number, etc. Step S7600; After the connection URL input action step (S7600), the My Mall configuration program providing step (S7700) of providing a program for configuring My Mall in the shopping mall of Company B and the main computer selling the numeric domain; After the My Mall configuration program providing step (S7700), a My Mall editing operation step (S7800) in which the customer edits My Mall; In the My Mall editing operation step (S7800), a product purchase/action step (S7900) of purchasing/action of a product from the main computer of the company B's shopping mall and numeric domain sales (S7900);

After the purchase/action step (S7900), a reward point transfer step of accumulating reward points for sales commissions for each product in the shopping mall and number domain sales main computer of Company B or My Mall, and transferring them to the shopping mall server computer of Company A individually. (S8000); After the reward point transfer step (S8000), a Point-Coin exchange request step (S8100) of requesting by exchanging points for coins in the customer's smartphone or computer; consists of.

After the Point-Coin exchange request step (S8100), the blockchain-based digital virtual currency transaction information server 200 determines whether or not the donor has subscribed to compensation insurance to compensate for damages in case of a transaction defect (S8101); In this case, if the donor terminal 300 is not subscribed to the compensation insurance, an insurance subscription procedure execution step (S8102) of brightening the'insurance subscription procedure' according to the insurance subscription terms; After the insurance subscription procedure execution step (S8102), a Point-Coin exchange accumulation step (S8200) of exchanging and accumulating points of the customer upon establishment of a transaction; It consists of a termination step (S8300) that ends after the Point-Coin exchange accumulation step (S8200).

And, in the present invention, in the case (a) after the point-coin exchange accumulation step (S8200), the customer selects the step of requesting the exchange of their Points to Coins through the Coin-Point relay transaction app. Executing a Coin-Point relay transaction app for executing the Coin-Point relay transaction app on a smartphone or computer (S8700); Coin sales quantity and price input step (S8800) allowing the point holder to input the sales quantity and price of the coin requesting the transaction from the smartphone or computer (S8800).

At this time, after the coin sales quantity and price input step (S8800), the blockchain-based digital virtual currency transaction information server 200 determines whether or not the beneficiary has subscribed to compensation insurance to compensate for damages in case of a transaction defect (S8900). ); At this time, if the donor terminal 300 is not subscribed to the compensation insurance, an insurance subscription procedure execution step (S8901) of brightening the'insurance subscription procedure' according to the insurance subscription terms; Thereafter, the block chain-based digital virtual currency transaction information server 200 is a premium calculation and display step of displaying insurance premiums based on the transaction volume and transaction amount of the virtual currency on the donor terminal 300 and the recipient terminal 400 ( S9000); Thereafter, the blockchain-based digital virtual currency transaction information server 200 determines whether the donor or recipient will pay insurance premiums based on the transaction volume and transaction amount of the virtual currency to the donor terminal 300 and the recipient terminal 400. It consists of; determining the insurance premium payment determination step (S9100).

After the insurance premium payment determination step (S9100), a coin holder (conditional) transfer step (S9200) in which a coin holder who wants to trade a coin conditionally inputs the coin into the bank account of the point holder; A coin transaction approval step (S9300) of approving the transaction by determining whether the coin transmitted in the coin holder (conditional) transmission step (S9200) from the smartphone or computer matches the quantity presented by the point holder; In the coin transaction acceptance step (S9300), if the quantity of coins is matched, a coin transfer step (S9400) of transmitting the coin to the recipient terminal; It consists of.

The following is a Coin that runs the Coin-Point relay app on the smartphone or computer when the customer selects the step of requesting the exchange of their Coin for Point through the Coin-Point relay transaction app. -Step of executing an app for point relay transaction (S3001);

Executing the Coin-Point relay transaction app for executing the Coin-Point relay transaction app on the smartphone or computer (S3001);

Coin sales quantity and price input step (S3002) for allowing the coin holder to input the sales quantity and price of the coin requesting the transaction from the smartphone or computer;

Point holder coin price (conditional) deposit step (S3003) in which the point holder who wants the coin transaction conditionally inputs the price to the coin holder's bank account;

The sales price match determination step (S3004) of determining whether the amount deposited in the point holder coin payment step (S3003) in the smartphone or computer matches the amount presented by the coin holder (S3004);

If the two do not match, the re-deposit notification step (S3005) of notifying the buyer to deposit the sales price again;

Coin transfer step (S3006) of transmitting the coin to the recipient terminal when the deposit of the sale price is matched in the sales price match determination step (S3004);

Here, the authentication signal can be further used in the transmission step. The authentication signal is a concept that includes not only numeric signals such as password, password, OTP reply number, etc., but also an enter signal. Say. It is the same below.

The coin transfer completion and sale price payment completion step (S3007), wherein the coin holder completes the coin transfer and is finally approved to pay the sale price;

Thereafter, the coin transfer completion and the sale price payment completion step (S3007) is performed, and the transaction termination step (S3008) is performed.

And, in the present invention, the coin exchanged for the points is an electronic cryptographic source 316 provided in the first file 315a, which is the basic unit of virtual currency linked to the general matching program 340a, is a general matching program 340a. ), and the electronic algorithm source 416 provided by the fingerprint/finger vein algorithm 415 is converted in the general matching program 340a, and these are converted by the matching program 344 to the electronic cryptographic source and fingerprint/ The digital cryptocurrency transaction guide server based on the blockchain is fused by the electronic algorithm source of the finger vein to enable transactions as a basic unit of virtual currency transmission, and the electronic algorithm source 416 of the donor's fingerprint or finger vein 200) can be converted into an electronic algorithm source of the recipient's fingerprint or finger vein.

As another embodiment, a method of using a shopping mall through unauthorized access by a phone number will be described with reference to FIGS. 26 to 27.

26 shows a guarantee insurance is applied in the case of purchasing an item by accessing an unauthorized affiliated site after entering a phone number to access an affiliated site by an independent URL of the present invention, and exchanging points and coins paid thereto. It is a flow chart of a financial transaction method that can be performed, and FIG. 27 (and, 25) is a continuation of FIG. 26. After entering a phone number to access an affiliate site by an independent URL of the present invention, It is a financial transaction method that allows you to purchase goods and exchange points paid for them into coins.In the case of a flowchart in which a point holder requests a transaction from a coin holder, and when exchanging points for the coins paid to it, a guarantee insurance is applied. It is a flow chart of the possible financial transaction methods and a flow chart in which a coin holder requests a transaction from a point holder.

First of all, the present invention includes the steps of turning on the computer and inputting the URL of the company A (the subject's smartphone or computer) (S7100); Providing a non-authenticated access program for linking with the shopping mall of B without authentication by inputting the phone number of the customer in the shopping mall server computer of Company A (S7200); The smartphone or computer inputs a phone number to access the affiliated site, and clicks an unauthorized connection (S7300) of clicking an unauthorized connection.

After the authenticationless access click step (S7300), a plurality of shopping mall screen providing step (S7300a) of providing a shopping mall, which is a plurality of affiliated sites, on the screen by the CPU; After the multiple shopping mall screen providing step (S7300a), a shopping mall selection step (S7300b) of selecting one desired shopping mall from a customer computer.

In the shopping mall selection step (S7300b), a product purchase/action step (S7900) of purchasing/taking a product in the company B's shopping mall (S7900);

After the product purchase/action step (S7900), a reward point transfer step (S8000) of accumulating reward points for each product in the shopping mall of company B and transferring them to the shopping mall server computer of company A in individual units; After the reward point transfer step (S8000), a Point-Coin exchange request step (S8100) of requesting by exchanging points for coins in the customer's smartphone or computer; consists of.

After the Point-Coin exchange request step (S8100), the blockchain-based digital virtual currency transaction information server 200 determines whether or not the donor has subscribed to compensation insurance to compensate for damages in case of a transaction defect (S8101); In this case, if the donor terminal 300 is not subscribed to the compensation insurance, an insurance subscription procedure execution step (S8102) of brightening the'insurance subscription procedure' according to the insurance subscription terms; After the insurance subscription procedure execution step (S8102), a Point-Coin exchange accumulation step (S8200) of exchanging and accumulating points of the customer upon establishment of a transaction; It consists of a termination step (S8300) that ends after the Point-Coin exchange accumulation step (S8200).

And, in the present invention, in the case (a) after the point-coin exchange accumulation step (S8200), the customer selects the step of requesting the exchange of their Points to Coins through the Coin-Point relay transaction app. Executing a Coin-Point relay transaction app for executing the Coin-Point relay transaction app on a smartphone or computer (S8700); Coin sales quantity and price input step (S8800) allowing the point holder to input the sales quantity and price of the coin requesting the transaction from the smartphone or computer (S8800).

At this time, after the coin sales quantity and price input step (S8800), the blockchain-based digital virtual currency transaction information server 200 determines whether or not the beneficiary has subscribed to compensation insurance to compensate for damages in case of a transaction defect (S8900). ); At this time, if the donor terminal 300 is not subscribed to the compensation insurance, an insurance subscription procedure execution step (S8901) of brightening the'insurance subscription procedure' according to the insurance subscription terms; Thereafter, the block chain-based digital virtual currency transaction information server 200 is a premium calculation and display step of displaying insurance premiums based on the transaction volume and transaction amount of the virtual currency on the donor terminal 300 and the recipient terminal 400 ( S9000); At this time, the insurance premium calculation factor input step (S9000a) of selecting the insurance type in the insurance premium calculation expression step (S9000) and determining whether the transaction amount and the transaction amount have been inputted (S9000a).

After the insurance premium calculation factor input step (S9000a), the blockchain-based digital virtual currency transaction information server 200 provides the donor terminal 300 and the recipient terminal 400 with an insurance premium based on the transaction amount and transaction amount of the virtual currency. It consists of; insurance premium payment determination step (S9100) to determine whether the donor or recipient will pay.

After the insurance premium payment determination step (S9100), a coin holder (conditional) transfer step (S9200) in which a coin holder who wants to trade a coin conditionally inputs the coin into the bank account of the point holder; A coin transaction approval step (S9300) of approving the transaction by determining whether the coin transmitted in the coin holder (conditional) transmission step (S9200) from the smartphone or computer matches the quantity presented by the point holder; In the coin transaction acceptance step (S9300), if the quantity of coins is matched, a coin transfer step (S9400) of transmitting the coin to the recipient terminal; It consists of.

The following is a Coin that runs the Coin-Point relay app on the smartphone or computer when the customer selects the step of requesting the exchange of their Coin for Point through the Coin-Point relay transaction app. -Step of executing an app for point relay transaction (S3001);

Executing the Coin-Point relay transaction app for executing the Coin-Point relay transaction app on the smartphone or computer (S3001);

Coin sales quantity and price input step (S3002) for allowing the coin holder to input the sales quantity and price of the coin requesting the transaction from the smartphone or computer;

Point holder coin price (conditional) deposit step (S3003) in which the point holder who wants the coin transaction conditionally inputs the price to the coin holder's bank account;

The sales price match determination step (S3004) of determining whether the amount deposited in the point holder coin payment step (S3003) in the smartphone or computer matches the amount presented by the coin holder (S3004);

If the two do not match, the re-deposit notification step (S3005) of notifying the buyer to deposit the sales price again;

Coin transfer step (S3006) of transmitting the coin to the recipient terminal when the deposit of the sale price is matched in the sales price match determination step (S3004);

Here, the authentication signal can be further used in the transmission step. The authentication signal is a concept that includes not only numeric signals such as password, password, OTP reply number, etc., but also an enter signal. Say. It is the same below.

The coin transfer completion and sale price payment completion step (S3007), wherein the coin holder completes the coin transfer and is finally approved to pay the sale price;

Thereafter, the coin transfer completion and the sale price payment completion step (S3007) is performed, and the transaction termination step (S3008) is performed.

The following explains how coin holders purchase points to purchase gold.

28 to 30 are flowcharts showing the steps of executing the Coin-Point relay transaction app running the Coin-Point relay transaction app, and FIG. 31 is a guarantee insurance procedure introduced into the Coin-Point relay transaction app of the present invention. This is a flowchart showing the steps of executing an app for Coin-Point relay transaction.

The present invention first, the starting step of turning on the computer (S10000); Coin-Point relay transaction app execution step (S10010) of executing the Coin-Point relay transaction app of Company A (the subject's smartphone or computer); After the coin-point relay transaction app execution step (S10010), when the step of requesting purchase of Points through the Internet is selected (a) and the step of requesting purchase of Points by card (cash) is selected (b) Optional point purchase request step (S10020); Coin transaction and price provision step (S10030) of providing a coin transaction and price at a coin transaction relay when the step of requesting purchase of Points through the Internet is selected (a); After the coin transaction and price providing step (S10030), the coin holder's computational coin wallet formation determining step (S10040) of determining whether the coin holder has formed a computerized coin wallet (S10040); After the coin wallet formation determination step (S10040) for the coin holder, the purchase point purchase quantity input step (S10050) of inputting the purchase quantity of the purchase point of the coin holder (Point purchase requestor); After the purchase point purchase quantity input step (S10050), a point purchase quantity (price) comparison and judgment step (S10060) of determining whether the transaction price according to the coin holding quantity of the computerized coin wallet is greater than the point purchase quantity (price); After the point purchase quantity (price) comparison and determination step (S10060), a point purchase step (S10070) of purchasing a point; After the point purchase step (S10070), a settlement point deduction step (S10081) of deducting a settlement point of a point seller (company); After the settlement point deduction step (S10081), the settlement point accumulation step (S10082) of accumulating points of the Point purchaser; Point purchase post processing step (S10083) of subtracting coins from the settlement coin wallet of the coin holder after the settlement point accumulation step (S10082); A gold purchase step (S10090) of purchasing gold with points accumulated after the point purchase post-processing step (S10083); In the gold purchasing step (S10090), a gold price providing step (S10100) of providing a gold price at a gold trading relay; After the gold price providing step (S10100), the gold purchase requestor purchase quantity (price) input step (S10110) in which the gold purchase requestor conditionally inputs the purchase quantity (price: Point) based on the provided gold price; After the gold purchase requester's purchase quantity (price) input step (S10110), a gold purchase and sales price match determination step (S10120) of determining whether the gold purchase amount and the sales price (Point) match; If there is no abnormality after the gold purchase and sale price match determination step (S10120), the contracted bank issues (transmits) a gold deposit, and a gold deposit issuance step (S10131) in which a gold deposit is issued (transmitted); Point automatic transmission step (S10132) of automatically transmitting the Point to the contracted bank after the gold deposit is confirmed after the gold deposit issuance step (S10131); It is a method of operating a gold transaction of an app for coin-point relay transaction, characterized in that consisting of; a termination step (S10140) that ends after the automatic point transmission step (S10132).

And, in the present invention, in the case where the coin holder does not form a coin wallet for computation in the step of determining the coin wallet formation for the coin holder (S10040), the coin holder generates a coin wallet for coin settlement under the guidance of the coin transaction relay station. Coin holder generating a coin wallet for settlement of coins (S10041); After the coin holder coin settlement coin wallet generation step (S10041), a coin replenishment step (S10042) in which the coin holder fills a certain amount of coins to the coin settlement coin wallet; After the coin replenishment step (S10042), a purchase point purchase quantity input step (S10050) of inputting the purchase quantity of the purchase point of the coin holder (Point purchase requester) is performed, and the point purchase quantity (price) comparison and determination step ( In S10060), when the transaction price according to the coin holding amount is less than the point purchase quantity (price), the coin holder is notified of the coin replenishment (S10042) by notifying the coin holder (S10061); After the point purchase quantity (price) comparison and determination step (S10060), a point purchase step (S10070) of purchasing a point; a method of operating a gold transaction of a coin-point relay transaction app linked to a bank, characterized in that it consists of to be.

The above-described invention relates to a method of applying a general coin, and hereinafter, a biocoin embodied therein will be described in an exemplary form.

First, the starting step of turning on the computer (S10000);

Coin-Point relay transaction app execution step (S10010) of executing the Coin-Point relay transaction app of Company A (the subject's smartphone or computer);

After the coin-point relay transaction app execution step (S10010), when the step of requesting purchase of Points through the Internet is selected (a) and the step of requesting purchase of Points by card (cash) is selected (b) Optional point purchase request step (S10020);

Biocoin transaction and price providing step (S10030) of providing a biocoin transaction and price at a biocoin transaction relay in the case of selecting the step of requesting a point purchase through the Internet (a);

After the biocoin transaction and price provision step (S10030), the coin holder's computational coin wallet formation determination step (S10040) of determining whether the coin holder has formed a computerized coin wallet (S10040);

At this time, when the coin holder does not form a coin wallet for computation, the coin holder generates a coin wallet for biocoin settlement under the guidance of the biocoin transaction relay, generating a coin wallet for the settlement of biocoin for the coin holder (S10041);

After the coin holder biocoin settlement coin wallet generation step (S10041), the coin holder biocoin replenishment step (S10042) in which a certain amount of biocoin is added to the biocoin settlement coin wallet;

After the biocoin replenishment step (S10042), a purchase point purchase quantity input step (S10050) of inputting a purchase quantity of a purchase point of a coin holder (Point purchase requester);

After the purchase point purchase quantity input step (S10050), the point purchase quantity (price) comparison and judgment step (S10060) to determine whether the transaction price according to the biocoin holding amount of the computer coin wallet is greater than the point purchase quantity (price) (S10060) ;

At this time, when the transaction price according to the biocoin holding amount is less than the point purchase quantity (price), the coin holder notifying the coin holder to replenish the coin (S10042), a coin refill notification step (S10061);

After the point purchase quantity (price) comparison and determination step (S10060), a point purchase step (S10070) of purchasing a point;

After the point purchase step (S10070), a settlement point deduction step (S10081) of deducting a settlement point of a point seller (company);

After the settlement point deduction step (S10081), the settlement point accumulation step (S10082) of accumulating points of the Point purchaser;

After the settlement point accumulation step (S10082), a point purchase post processing step (S10083) of deducting the coin from the settlement coin wallet of the coin holder (S10083); consists of.

And, in the case of selecting the step of requesting a point purchase with the card (cash) (b), the card (cash)-the card (cash) in which the point purchase app is executed-the point purchase app execution step (S10021);

Point purchase requester purchase quantity input step (S10022) in which the point purchase requester inputs the purchase quantity on the computer designation screen after the card (cash)-point purchase app execution step (S10021);

Point owner purchase price payment step (S10023) of conditionally paying the price to the point owner (individual or company) by card after the point purchase requester purchase quantity input step (S10022);

Point owner sales price match determination step (S10024) of determining whether the point owner (individual or company) matches the sales price after the point owner purchase price settlement step (S10023);

Point transmission step (S10025) of transmitting the Point to the terminal of the point purchase requester after the point owner's sales price match determination step (S10024);

A transmission point match determination step (S10026) of determining whether a point transmitted after the point transmission step (S10025) matches the requested one;

Point transmission completion step (S10027) in which point transmission is completed after the transmission point match determination step (S10026);

After the point transmission completion step (S10027), when there is no abnormality in the point transmission, the sales price payment completion step (S10028) in which the sales price is settled.

Following the point purchase processing step (S10083), a gold purchase step of continuously purchasing gold with accumulated points will be described.

A gold purchase step (S10090) of purchasing gold with points accumulated after the point purchase post-processing step (S10083);

In the gold purchasing step (S10090), a gold price providing step (S10100) of providing a gold price at a gold trading relay;

After the gold price providing step (S10100), the gold purchase requestor purchase quantity (price) input step (S10110) in which the gold purchase requestor conditionally inputs the purchase quantity (price: Point) based on the provided gold price;

After the gold purchase requester's purchase quantity (price) input step (S10110), a gold purchase and sales price match determination step (S10120) of determining whether the gold purchase amount and the sales price (Point) match;

If there is no abnormality after the gold purchase and sale price match determination step (S10120), the contracted bank issues (transmits) a gold deposit, and a gold deposit issuance step (S10131) in which a gold deposit is issued (transmitted);

Point automatic transmission step (S10132) of automatically transmitting the Point to the contracted bank after the gold deposit is confirmed after the gold deposit issuance step (S10131);

Consists of an end step (S10140) that ends after the automatic point transmission step (S10132).

The following describes the security insurance procedure that can be selectively applied when purchasing gold with accumulated points.

Gold purchase step (S10090) of purchasing gold with points accumulated after the point purchase post processing step (S10080);

After the gold purchase step (S10090), the Coin-Point relay transaction app determines whether or not a gold buyer has subscribed to compensation insurance to compensate for damages in case of a transaction defect (S10091);

At this time, if the Coin-Point relay transaction app is not subscribed to the compensation insurance, the insurance subscription procedure execution step (S10092) to brighten the'insurance subscription procedure' according to the insurance subscription terms;

After the insurance subscription procedure execution step (S10092), a gold price providing step (S10100) of providing a gold price at a gold trading relay;

After the gold price providing step (S10100), the gold purchase requestor purchase quantity (price) input step (S10110) in which the gold purchase requestor conditionally inputs the purchase quantity (price: Point) based on the provided gold price;

After the gold purchase requester purchase quantity (price) input step (S10110), the Coin-Point relay transaction app displays an insurance premium based on the transaction volume and transaction amount of the gold transaction on the screen (S10111);

At this time, the insurance premium calculation factor input step (S10112) of determining whether the gold purchase requester has input the gold transaction amount and the transaction amount in the premium calculation display step (S10111);

After the insurance premium calculation factor input step (S10112), the Coin-Point relay transaction app allows the gold buyer to pay insurance premiums based on the gold transaction volume and the transaction amount (S10113);

After the premium payment permission step (S10113), the gold purchase and sale price match determining step (S10120) of determining whether or not the gold purchase amount and the sales price (Point) match;

If there is no abnormality after the gold purchase and sale price match determination step (S10120), the contracted bank issues (transmits) a gold deposit, and after it is confirmed that the gold deposit is issued (transferred), the contracted bank Issuing a gold deposit certificate and automatically transmitting a point (S10130);

Consists of a termination step (S10140) terminated after the gold deposit issuance and point automatic transmission step (S10130).

The following describes a block diagram showing a system capable of trading gold in the Coin-Point relay trading app of the present invention.

32 is a block diagram showing a system for trading gold in the Coin-Point relay trading app of the present invention.

Gold transaction method is member terminal (100g), Internet (200g), affiliated store server (300g), affiliated bank server (400g), coin management server (500g), point management server (600g), authentication server (700g), payment server (800g).

The member terminal (100g) includes a computer with Internet access, a mobile communication device, etc., and connects to the coin/point management server (500g) (600g) to receive points for each member and daily gold and gold price. Provide to members.

The Internet 200g uses a conventional base system as it is.

When a member makes a payment at the time of purchase, the affiliated store server (300g) provides the member with points of a predetermined ratio according to the corresponding payment amount, and stores and manages the point management D/B (302g) by reflecting the settlement result according to the payment. Perform.

Then, the affiliated bank server 400g receives points when issuing a gold deposit certificate through business alliance with the point management server 700g.

On the other hand, the authentication server (500g) performs an authentication procedure through comparison with the previously stored member information using the member authentication information received from the point management server (700g), and the result is a point management server (700g). ).

And, the coin management server (600g) is interlocked with the point management server (700g) to provide all information or perform a transaction procedure so that you can purchase points with coins, and manage all the information as members D/B (601g) and coins. It stores and manages the D/B (602g).

The point management server (700g) creates a member D/B (701g) through business alliance with the affiliated store server (300g) and generates points provided to the member from the affiliated store server (300g), and points D/B (702g) It is managed by and provided to purchase the daily gold price, and through real-time linkage with the affiliated store server (300g), payment information and settlement information according to the service provision are shared, and the shared point information is point D/ It performs the role of storing and managing in B (702g).

When the member purchases points in cash to compensate for insufficient points, the payment server 800g performs the settlement of the payment amount provided from the member, and at the same time, the member is linked with the affiliated bank server 400g. In the case of purchasing gold corresponding to, the payment and settlement of points are performed.

As described above, the present invention has developed a business model in which gold can be purchased using coins exchanged for points, thereby providing a practical method of operating coins.

In particular, biocoin has the advantage of ensuring de-anonymity and decentralization.

In the present invention, too, in the present invention, the electronic cryptographic source 316 provided in the first file 315a, which is the basic unit of the virtual currency linked to the general matching program 340a, is a general matching program ( 340a), and the electronic algorithm source 416 provided in the fingerprint/finger vein algorithm 415 is converted in the general matching program 340a, and these are converted to the electronic cryptographic source and fingerprint of the virtual currency by the matching program 344. /Converged by an electronic algorithm source of a finger vein to enable transactions as a basic unit of virtual currency transmission, and at the same time, the electronic algorithm source 416 of the donor's fingerprint or finger vein is a blockchain-based digital virtual currency transaction information server According to (200), it can be converted into an electronic algorithm source of the recipient's fingerprint or finger vein.

Instead of the biocoin of the fingerprint or finger vein, it can be operated by an iris, a face, or a QR code and a barcode.

FIG. 33 is a block diagram of matching virtual currency with iris/face authentication information using the transaction system of digital virtual currency having a block chain between parties of the present invention, and FIG. 34 is a digital virtual currency having a block chain between parties of the present invention. It is a block diagram showing the transaction process of digital virtual currency having a block chain between parties using a currency transaction system.

The main controller (CPU) 340 shown in the block diagram for matching the virtual currency with iris/face authentication information using the transaction system of digital virtual currency having a block chain between parties of the present invention in FIG. 33 is as described above. An encrypted virtual currency 315, an encrypted iris/face algorithm 415b as described above, a donor terminal 300b including an iris/face recognizer, and a recipient terminal 400b including an iris/face recognizer ) And the electronic cryptographic source of the cryptocurrency 315 encrypted therein (including the "file name" or the "node" of the cryptocurrency in which the cryptocurrency is formed) and the electronic algorithm source of the iris/face algorithm 415b It consists of a conversion device 500 for matching and a donor-recipient iris/face conversion device 600b that converts the donor's virtual currency into the donor's virtual currency.

The general matching program 340a in the block diagram showing the transaction process of the digital virtual currency having the blockchain between the parties by using the transaction system of the digital virtual currency having the blockchain between the parties in FIG. 34 and The electronic encryption source 316 provided in the first file 315a, which is the basic unit of the associated virtual currency, is converted in the general matching program 340a, and the electronic algorithm source 416 provided in the iris/face algorithm 415b Is converted in the general matching program 340a, and these can be fused by the matching program 344 so that they can be traded as a basic unit of transmission.

That is, in the beginning stage, the authentication information of the iris or face is matched and stored for each basic unit of the virtual currency file by the matching program 344, so that the authentication information of the donor's iris or face is a blockchain-based digital virtual currency transaction information server. For digital virtual currency that can be converted into authentication information of the recipient's iris or face by 200, it is determined whether the donor terminal 300 matches the file of the virtual currency and authentication information of the iris or face. The iris or face authentication information is processed in a matching determination step (S130b).

In the transfer stage, the authentication information of the iris or face is matched and stored for each basic unit of the file of the virtual currency by the matching program 344, so that the authentication information of the donor's iris or face is a blockchain-based digital virtual currency transaction information server. For digital virtual currency that can be converted into authentication information of the recipient's iris or face by 200, the blockchain-based digital virtual currency transaction information server 200 matches the file of the virtual currency and stores the donor's iris or It is determined whether there is a request for converting the authentication information of the face into the authentication information of the recipient's iris or the face, and processing the donor-recipient's iris or face authentication information conversion step (S210b) to convert the information.

Non-explanatory symbols 315b and 315c denote the number of second and third files of virtual currency following the first file, which is the basic unit of the virtual currency.

Of course, in order to transmit a large amount, it is desirable to create and operate a batch payment program.

The following describes how to issue virtual currency by matching it with QR/BAR code authentication information.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to FIGS. 35 and 36.

FIG. 35 is a block diagram of matching virtual currency with QR/BAR code authentication information using the transaction system of digital virtual currency having a block chain between parties of the present invention, and FIG. 35 is a digital diagram having a block chain between parties of the present invention. It is another block diagram showing the transaction process of digital virtual currency having a block chain between parties using a virtual currency transaction system.

The main controller (CPU) 340 shown in the block diagram for matching the virtual currency with biometric authentication information using the transaction system of digital virtual currency having a block chain between the parties of the present invention in FIG. 35 is encrypted as described above. A donor terminal (300C) including a virtual currency 315, an encrypted QR/BAR code algorithm 415C as described above, a QR/BAR code reader, and a recipient terminal including a QR/BAR code reader ( 400C) and the electronic cryptographic source of the cryptocurrency 315 encrypted therein (including the "file name" or the "node" of the cryptocurrency in which the cryptocurrency is formed) and the algorithm of the QR/BAR code (415C). It consists of a conversion device 500 for matching the algorithm source, and a donor-recipient QR/BAR code conversion device 600C that converts the donor's virtual currency into the donor's virtual currency.

Overall matching in another block diagram of FIG. 34 showing that the transaction process of digital virtual currency having a block chain between parties is performed using the transaction system of digital virtual currency having a block chain between the parties in FIG. 36 The electronic cryptographic source 316 provided in the first file 315a (basic unit of cryptocurrency), which is the basic unit of the virtual currency linked to the program 340a, is converted in the general matching program 340a, and QR/BAR The electronic algorithm source 416 provided in the code algorithm 415C is converted in the general matching program 340a, so that they can be fused by the matching program 344 so that they can be traded as a basic unit of transmission. will be.

Non-explanatory symbols 315b and 315c denote the number of second and third files of virtual currency following the first file, which is the basic unit of the virtual currency.

In the signal conversion method as described above, signal information formed by binary data determined according to the presence or absence of each distinct pixel pattern of the QR/BAR code may be fused with each other by a conversion device to generate a new signal.

Therefore, it is possible to operate by adopting one of the electronic algorithm source of the iris/face or the QR/BAR instead of the electronic algorithm source of the fingerprint/finger vein.

Of course, in order to transmit a large amount, it is desirable to create and operate a batch payment program.

In the above, the configuration and operation of a financial transaction relay processing method capable of transacting a virtual currency linked with a shopping mall linked with a bank according to the present invention has been shown according to the detailed description and drawings, but this is only described by way of example. , Various changes and changes are possible within the scope of the technical idea of the present invention.

910; Company A server
912: Company A's phone number screen
920: Company B server
930: My Mall (Company C) Sales Server
940: D company sales ID mall server
950: Domain screen
960: My Mall video screen

Claims (6)

Coin-Point relay transaction app execution step (S10010) of running the Coin-Point relay transaction app by turning on the smartphone or computer;
After the coin-point relay transaction app execution step (S10010), the smartphone or computer receives a point purchase request (a) through the Internet and a point purchase request (b) by means of a card (cash). A request step (S10020);
After the point purchase request step (S10020), when the point purchase request (a) through the Internet is selected, the smartphone or computer receives a coin transaction and price from a coin transaction relay, a coin transaction and price provision step (S10030). );
After the coin transaction and price provision step (S10030), the coin wallet formation determination step (S10040) for determining whether the smartphone or computer has formed a computer coin wallet for the coin holder;
After the coin wallet formation determination step (S10040) for the coin holder, the purchase point purchase quantity input step (S10050) in which the smartphone or computer inputs the purchase quantity of the purchase point of the Coin holder (Point purchase requestor);
After the purchase point purchase quantity input step (S10050), the comparison of the point purchase quantity (price) to determine whether the transaction price according to the coin holding quantity of the smartphone or computer is greater than the point purchase quantity (price). Determining step S10060;
After the point purchase quantity (price) comparison and determination step (S10060), the point purchase step (S10070) in which the smartphone or computer receives a point purchase;
After the point purchase step (S10070), the smart phone or computer deducts the settlement point of the Point seller (company) for settlement Point deduction step (S10081);
After the settlement point deduction step (S10081), the smart phone or computer is a settlement point accumulation step (S10082) to accumulate Point of the point purchaser;
After the settlement point accumulation step (S10082), a point purchase post processing step (S10083) in which the smartphone or computer deducts the coin from the settlement coin wallet of the coin holder;
After the point purchase post-processing step (S10083), a gold purchase step (S10090) of receiving a gold purchase by the point in which the smartphone or computer is accumulated;
In the gold purchase step (S10090), a gold price providing step (S10100) in which the smartphone or computer receives and provides a gold price from a gold transaction relay;
After the gold price providing step (S10100), the gold purchase requester purchase quantity (price) input step (S10110) receiving the purchase quantity (price: Point) conditionally input from the gold purchase requester based on the gold price provided by the smartphone or computer. );
After the gold purchase requester's purchase quantity (price) input step (S10110), the smart phone or computer determines whether the gold purchase price matches the gold purchase and sales price (S10120);
If there is no abnormality after the gold purchase and sale price match determination step (S10120), a gold deposit certificate is issued (transmitted) from the bank to which the smartphone or computer is contracted, and a gold deposit certificate issued (transmitted) is issued. Step S10131;
After the gold deposit issuance step (S10131), after the smartphone or computer confirms the gold deposit, the Point automatic transmission step (S10132) of automatically transmitting Point to the contracted bank;
Including; a termination step (S10140) terminated after the automatic point transmission step (S10132),
After the point purchase request step (S10020), when the point purchase request (b) is selected as the card (cash), the smartphone or computer is a card (cash)-a card (cash) that executes the point purchase app- Point purchase app execution step (S10021);
After the card (cash)-point purchase application execution step (S10021), the smart phone or computer receives the purchase quantity of the Point purchase requester through a computer designation screen (S10022);
After the point purchase requester purchase quantity input step (S10022), the point owner purchase payment step (S10023) allowing the smartphone or computer to conditionally pay the price to the point owner (individual or company) with a card;
After the point owner purchase price payment step (S10023), the point owner sales price match determination step (S10024) of determining whether the smartphone or computer matches the sales price of the point owner (individual or company);
Point transmission step (S10025) in which the smart phone or computer transmits the Point to the terminal of the point purchase requester after determining whether the point owner's sales price match (S10024);
After the Point transmission step (S10025), a transmission point match determination step (S10026) of determining whether the requested point matches the transmitted Point by the smartphone or computer;
Point transmission completion step (S10027) in which point transmission is completed after the transmission point match determination step (S10026);
After the point transmission completion step (S10027), the sales price payment completion step (S10028) in which the sales price is settled when there is no abnormality in the point transmission by the smart phone or computer; Gold trading operation method of the linked coin-point relay trading app.
The method of claim 1,
In the case where the coin holder's computational coin wallet is not formed in the coin holder's computational coin wallet formation step (S10040), the smartphone or computer generates a coin wallet for coin settlement of the coin holder under the guidance of the coin transaction relay. Coin holder generating a coin wallet for settlement of coins (S10041);
Coin replenishment step (S10042) in which the smartphone or computer fills a certain amount of coins to the coin settlement coin wallet of the coin holder after the coin holder coin settlement step (S10041);
After the coin replenishment step (S10042), the smartphone or computer includes a purchase point purchase quantity input step (S10050) in which the coin holder (Point purchase requestor) inputs the purchase quantity of the purchase point,
In the case where the transaction price according to the coin holding amount is less than the point purchase quantity (price) in the point purchase quantity (price) comparison and judgment step (S10060), the smartphone or computer notifies the coin holder to refill the coin (S10042 ) Coin holder coin replenishment notification step (S10061); the method of gold transaction operation of the coin-point relay app for coin-point intermediary transactions linked with a bank, characterized in that consisting of.
The method according to claim 1 or 2,
After the gold purchase step (S10090), the smartphone or computer determines whether or not a gold purchaser has subscribed to compensation insurance for compensation for damages in case of a transaction defect (S10091);
At this time, if the smartphone or computer is not subscribed to the compensation insurance, the insurance subscription procedure execution step (S10092) to brighten the'insurance subscription procedure' according to the insurance subscription terms;
And, after the gold purchase requester's purchase quantity (price) input step (S10110), the premium calculation and display step (S10111) in which the smartphone or computer displays an insurance premium based on the transaction volume and transaction amount of the gold transaction on the screen (S10111). ;
At this time, the insurance premium calculation factor input step (S10112) of determining whether the gold purchase requester has input the gold transaction amount and the transaction amount in the premium calculation display step (S10111);
After the insurance premium calculation factor input step (S10112), the smartphone or computer permits the payment of insurance premiums based on the gold transaction volume and the transaction amount by a gold buyer (S10113); Coin-point intermediary transaction application for gold transaction operation method linked with a bank, characterized in that.
The method according to claim 1 or 2,
The coins exchanged for the points are converted from the electronic cryptographic source 316 provided in the first file 315a, which is the basic unit of virtual currency linked to the general matching program 340a, in the general matching program 340a, and the fingerprint/ The electronic algorithm source 416 provided by the finger vein algorithm 415 is converted in the general matching program 340a, and these are converted to the electronic cryptographic source of the virtual currency and the electronic algorithm source of the fingerprint/finger vein by the matching program 344. By being fused to enable transactions as a basic unit of virtual currency transmission, the fingerprint of the donor or the electronic algorithm source 416 of the finger vein is the fingerprint of the recipient by the blockchain-based digital virtual currency transaction information server 200. Or, a method of operating a gold transaction of an app for coin-point relay transactions linked with a bank, characterized in that it can be converted into an electronic algorithm source of a finger vein.
The method of claim 4,
An electronic algorithm source of fingerprint/finger vein is any one of an electronic algorithm source of iris/face or QR/BAR.A method of gold transaction operation of an app for coin-point relay transactions linked with a bank.
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