KR102158367B1 - System for providing local currency and method thereof - Google Patents

Abstract

Disclosed are a system for providing local currency and a method thereof. The present invention forms a local circulation fund inflow and circulation structure through a mobile local currency distribution system, analyzes local currency usage history, and determines a policy for activating local currency, thereby preventing an outflow of local resources outside a region, promoting distribution consumption in the region, and revitalizing a local economy by creating a circulating added value.

Description

System for providing local currency and method thereof

The present invention relates to a system for providing local currency and a method thereof, and in particular, an area for determining a policy for activating local currency by forming a local circulation fund inflow and circulation structure through a mobile local currency distribution system, and analyzing the use of local currency. It relates to a system and method for providing money.

Local currency refers to a means of payment other than the legal currency used in a specific region or group.

Initially, local currency emerged as an alternative currency with an emphasis on people-centered and regional-centered economies in order to solve the shortcomings of capitalist market economy such as inequality and the gap between rich and poor.

Such local currency is being avoided due to consumption and inconvenience of currency exchange, and there is a limit to the influx of general users as the main user class is limited to public officials, and illegal currency exchange occurs in the case of tributary-type local currency.

Korean Patent Laid-Open Patent No. 10-2019-0142656 [Title: Digital local currency service method and apparatus therefor]

An object of the present invention is to provide a system and method for providing local currency to determine a policy for activating local currency by forming a local circulation fund inflow and circulation structure through a mobile local currency distribution system, and analyzing local currency usage details. have.

Another object of the present invention is to provide a system and method for providing local currency that analyzes the amount of local currency for each community set in advance and reflects the analysis result when selecting an SOC and farming support project.

The system for providing local currency according to an embodiment of the present invention analyzes a plurality of laws and regulations related to local currency and financial expenditure, selects items that can be spent in local currency among the operating budgets of the government and local governments, and uses the selected local currency. Collect information on the target of local currency according to the items available for expenditure, and check whether the target person to receive in local currency has opened a local currency account through a dedicated app provided by the local money operation server, and the target person is the local currency When it is confirmed that an account is opened, a local currency operation server for collecting local currency account information related to a target person to be received in local currency for each legal currency; And a financial institution server that executes an operating budget of a local government in connection with the local currency operation server.

As an example related to the present invention, the item that can be spent in local currency may include at least one of a local resident's allowance, a civil servant's allowance, and an incentive.

As an example related to the present invention, the local currency operation server may collect information on a person who will receive local currency instead of legal currency according to the legal item for each item that can be spent in the selected local currency.

As an example related to the present invention, the local currency operation server may set a general incentive policy, a circular incentive policy, and a community-type incentive policy for local currency held in the terminal and the affiliated store terminal.

As an example related to the present invention, the local currency operating server, in connection with the affiliated store terminal and the financial institution server, corresponds to a preset ratio of local currencies provided according to the provision of goods and services from the affiliated store terminal on a predetermined date. It can perform the function of converting local currency into legal currency.

The method of providing local currency according to an embodiment of the present invention is to select items that can be spent in local currency from the operating budget of the government and local governments by analyzing a plurality of laws and regulations related to local currency and financial expenditure by a local currency operation server. step; Collecting, by the local currency operation server, information on a person subject to local currency according to an item that can be spent in the selected local currency; Checking, by the local currency operation server, whether the target person to receive in local currency has opened a local currency account through a dedicated app provided by the local currency operation server; Collecting, by the local currency operation server, local currency account information related to the target person to be received in local currency for each legal currency when it is confirmed that the target person has opened the local currency account; And executing the operating budget of the local government by linking with the financial institution server by the local currency operation server.

As an example related to the present invention, the executing of the operating budget of the local government may include, by the local currency operating server, interlocking with the financial institution server, information on the subject of local currency collected for each item that can be spent in the local currency And depositing and processing the local currency managed by the local currency operation server into a local currency account corresponding to the target person instead of the legal currency to be received by the target person based on the local currency account. By the local currency operation server, information indicating that any one of a local resident's allowance, a government official's allowance, and an incentive according to the item that can be spent in the local currency is deposited in local currency is transmitted to the terminal corresponding to the target person through a push alarm. Transfer process; And displaying, by the terminal, information indicating that the local currency has been deposited in the local currency transmitted from the local currency operation server.

As an example related to the present invention, it may further include the step of setting cultural marketing related to the local community by the local currency operation server.

As an example related to the present invention, by the local currency operation server, the step of setting a general incentive policy, a circular incentive policy, and a community-type incentive policy for the local currency held in the terminal and the affiliated store terminal may be further included.

As an example related to the present invention, the step of setting the general incentive policy, circular incentive policy, and community-type incentive policy may include a region in an account related to the terminal in the terminal in which the dedicated app provided by the local money operation server is installed. Setting a general-type incentive policy for providing a general-type incentive by a preset ratio in addition to the amount of money charged with the local currency when charging currency; When the affiliated store terminal receives local currency as a compensation for the product or service provided by the affiliated store terminal, and then pays using the received local currency according to the use of the product or service at another affiliated store, the accumulated per affiliated store terminal A process of setting a circular incentive policy to provide at least one of a member store exposure ranking on a dedicated app based on the total amount of local currency reuse, marketing expenses, and support for a commercial area activation project in the area; And when the terminal and the affiliated store terminal perform a payment function using local currency according to the use of goods or services provided by the affiliated store, the total area accumulated for each small community corresponding to the address information of the terminal and the affiliated store terminal. It may include at least one of the processes of setting a community-type incentive policy to give additional points or prioritize when selecting a new project in the local community based on the amount of money used.

The present invention forms a local circulation fund inflow and circulation structure through a mobile local currency distribution system, analyzes the usage of local currency and determines a policy for activating local currency, thereby preventing the outflow of local resources outside the region, and circulating consumption within the facility. It has the effect of promoting local economy and revitalizing the local economy by creating circular added value.

In addition, the present invention has the effect of inducing the unity of the local community by analyzing the amount of local currency set in advance by local community and reflecting the analysis result when selecting the SOC and farming support project.

1 is a block diagram showing the configuration of a local currency providing system 10 according to an embodiment of the present invention.
2 to 3 are flowcharts illustrating a method of providing local currency according to an embodiment of the present invention.

It should be noted that the technical terms used in the present invention are used only to describe specific embodiments, and are not intended to limit the present invention. In addition, the technical terms used in the present invention should be interpreted as generally understood by those of ordinary skill in the technical field to which the present invention belongs, unless otherwise defined in the present invention, and is excessively comprehensive. It should not be construed as a human meaning or an excessively reduced meaning. In addition, when a technical term used in the present invention is an incorrect technical term that does not accurately express the spirit of the present invention, it should be replaced with a technical term that can be correctly understood by those skilled in the art. In addition, general terms used in the present invention should be interpreted as defined in the dictionary or according to the context before and after, and should not be interpreted as an excessively reduced meaning.

In addition, the singular expression used in the present invention includes a plurality of expressions unless the context clearly indicates otherwise. In the present invention, terms such as “consisting of” or “comprising” should not be construed as necessarily including all of the various components or steps described in the invention, and some components or some steps may not be included. It should be construed that it may or may further include additional components or steps.

In addition, terms including ordinal numbers such as first and second used in the present invention may be used to describe the constituent elements, but the constituent elements should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another. For example, without departing from the scope of the present invention, a first component may be referred to as a second component, and similarly, a second component may be referred to as a first component.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings, but the same or similar components are assigned the same reference numerals regardless of the reference numerals, and redundant descriptions thereof will be omitted.

In addition, in describing the present invention, when it is determined that a detailed description of a related known technology may obscure the subject matter of the present invention, a detailed description thereof will be omitted. In addition, it should be noted that the accompanying drawings are only for easily understanding the spirit of the present invention and should not be construed as limiting the spirit of the present invention by the accompanying drawings.

1 is a block diagram showing the configuration of a system for providing local currency according to an embodiment of the present invention.

As shown in Fig. 1, the local currency providing system 10 is composed of a terminal 100, an affiliated store terminal 200, a local currency operation server 300, a financial institution server 400, and a blockchain server 500. do. Not all components of the local currency providing system 10 shown in FIG. 1 are essential components, and the local currency providing system 10 may be implemented by more components than those shown in FIG. 1, The local currency providing system 10 may be implemented with fewer components.

The terminal 100 and the affiliated store terminal 200 include a smart phone, a portable terminal, a mobile terminal, a foldable terminal, and a personal digital assistant: PDA), PMP (Portable Multimedia Player) terminal, Telematics terminal, Navigation terminal, Personal Computer, Notebook computer, Slate PC, Tablet PC, Ultrabook ( ultrabook), wearable devices, e.g., smartwatch, smart glass, HMD (Head Mounted Display), etc.), Wibro terminals, IPTV (Internet Protocol Television) It can be applied to various terminals such as terminals, smart TVs, terminals for digital broadcasting, audio video navigation (AVN) terminals, audio/video (A/V) systems, flexible terminals, and digital signage devices.

Each of the terminal 100, the affiliated store terminal 200, the local currency operation server 300, the financial institution server 400, and the blockchain server 500 are used to perform communication functions with other terminals. Communication unit (not shown), storage unit (not shown) for storing various information and programs (or applications), display unit (not shown) for displaying various information and program execution results, corresponding to the various information and program execution results It may include a voice output unit (not shown) for outputting the voice information, a control unit (not shown) for controlling various components and functions of each terminal.

The terminal 100 communicates with the affiliated store terminal 200, the local currency operation server 300, the financial institution server 400, the blockchain server 500, and the like.

In addition, the terminal 100 is linked with the local currency operating server 300, through a dedicated app and/or website provided by the local currency operating server 300, a merchant inquiry function, a charging function, and a payment function. As a user to receive the etc., a member registers, and personal information, etc. is registered in the local currency operation server 300. In this case, the personal information includes ID, email address, password (or password), name, gender, date of birth, contact information (or phone number), address, and the like.

In addition, the terminal 100 may subscribe as a user to the local currency operating server 300 using SNS account information or mobile messenger account information subscribed by the user of the terminal 100. Here, the SNS account may be information related to Facebook, Twitter, Kakao Story, Naver, PAYCO, and the like. In addition, the mobile messenger account is information related to KakaoTalk, line, viber, wechat, whatsapp, telegram, snapchat, etc. I can. At this time, the local currency operation server 300 charges local currency and uses the charged local currency to provide a user who wants to purchase goods or use a payment function according to service use, and to a seller who wants to provide goods or services. Different user interfaces can be provided accordingly.

In addition, when performing the membership registration process, the terminal 100 must complete the authentication function through an identity authentication means (eg, mobile phone, credit card, i-PIN, etc.) to become a member of the local currency operation server 300 The procedure can be completed normally.

In addition, after the membership registration is completed, the terminal 100 is a dedicated app (or application/application program) provided from the local currency operation server 300 in order to use the service provided by the local currency operation server 300 / Specific app) is installed on the terminal 100. In this case, the dedicated app may be an app for performing an affiliate store inquiry function, a charging function, a payment function, and the like.

When executing a dedicated app installed in the terminal 100, the terminal 100 displays an app execution result screen according to execution of the dedicated app. Here, the app execution result screen is a detailed menu for displaying a sub-menu for a general user, and our village index menu for indicating a ranking according to the local currency usage of a small community corresponding to the user's address of the terminal 100 , Holding status menu to display the details of local currency in possession (for example, balance, recharge amount, incentives, etc.), recharge menu to recharge local currency using the user's linked bank account, holding area A payment menu to perform a payment function using currency, a recent usage history menu to display the recent local currency usage history, a home menu to return to the initial screen, and nearby affiliated stores based on real-time location information of the terminal 100 It includes a member store inquiry menu to search for, a good store menu to provide information on excellent member stores, and a usage history menu to display the usage history of local currency by period or by use case.

In addition, the app execution result screen is for sellers, a detailed menu, our village index menu, a holding status menu (e.g., balance, sales amount, recharge amount, incentives, etc.), recharge menu, payment menu, and affiliated stores. It includes a QR code menu, a recent usage history menu, a home menu, a member store inquiry menu, a good store menu, a usage history menu, and a sales management menu for managing local currency payment details or currency exchange details related to the store.

Here, the detailed menu includes a holding amount menu for displaying the local currency held, a coupon box menu for checking coupon information held in the account of the terminal 100, the charging menu, the payment menu, and Refund menu for converting local currency into legal currency, account management menu for managing bank account information related to the user of the terminal 100, and area related to the address according to the personal information of the user of the terminal 100 It includes the Buyeo Nuri village menu to check the amount of money used, the notice menu to check notices, and the affiliate store application menu for seller registration.

In addition, the terminal 100 performs a login or payment function for a dedicated app or website provided by the corresponding local currency operation server 300 when performing a membership registration function in connection with the local currency operation server 300 Instead of a password for the user, biometric information (eg, including fingerprints, irises, veins, etc.) may be registered.

In this way, the terminal 100 may perform a member subscription function through a simplified subscription procedure so that the elderly and the like can easily use it.

In addition, in order to perform a simple charging function, the terminal 100 registers information on a bank account mainly used by a user of the terminal 100 in association with a corresponding dedicated app.

That is, when the detailed menu is selected from among an app execution result screen according to execution of a dedicated app installed in the terminal 100, the terminal 100 displays a detailed screen corresponding to the selected detailed menu.

In addition, when a preset account management menu is selected from the detailed screens displayed on the terminal 100, the terminal 100 manages the selected account in order to manage bank account information related to the user of the terminal 100. Displays the account management screen corresponding to the menu.

In addition, when a preset account registration menu is selected on the account management screen displayed on the terminal 100, the terminal 100 displays an account registration screen for registering new bank account information.

In addition, when any one of a plurality of banks is selected on the account registration screen displayed on the terminal 100, the terminal 100 displays an account number input screen for receiving an account number related to the selected bank. do.

In addition, when an account number according to a user input is received on the account number input screen displayed on the terminal 100, the terminal 100 interlocks with the local currency operation server 300 and the financial institution server 400 Thus, the terminal 100 is firstly authenticated through ARS authentication.

In addition, the local currency operation server 300 interlocks with the financial institution server 400 and attempts to transfer a preset amount (for example, KRW 1) to the bank and account number received from the terminal 100.

When the transfer fails because the corresponding bank and account number is abnormal, the terminal 100 requests information to enter the correct account number provided from the local currency operation server 300 (or request to confirm the account number). Information).

In addition, when the corresponding bank and account number are transferred in a normal state, the terminal 100 interlocks with the local currency operation server 300 to transfer the received bank and account number to the bank account associated with the terminal 100. Register with

In addition, when there are a plurality of bank accounts registered in relation to the terminal 100, the terminal 100 selects a specific bank account according to the user selection of the terminal 100 from among the plurality of registered bank accounts when performing the charging function. You can also use it to perform the charging function.

In this way, in order to use the local currency, the terminal 100 may create an account for using local currency through the local currency operation server 300 and link a bank account.

In addition, as described above, the terminal 100 may conveniently perform a payment function according to product purchase and/or service use by using local currency held by charging local currency.

In the embodiment of the present invention, it is described that the terminal 100 performs an affiliate store inquiry function, a charging function, a payment function, etc. in the form of a dedicated app, but is not limited thereto, and in addition to the dedicated app, the local currency operation server ( The affiliated store search function, the charging function, and the payment function may be performed through a website provided by 300).

The affiliated store terminal 200 communicates with the terminal 100, the local currency operation server 300, the financial institution server 400, the blockchain server 500, and the like.

In addition, the affiliated store terminal 200 is linked with the local currency operating server 300, through a dedicated app and/or website provided by the local currency operating server 300, an affiliated store inquiry function, a charging function, and payment A member is registered as a seller (or user) to receive functions, product sales/service provision functions, etc., and personal information, etc., is registered in the local currency operation server 300. In this case, the personal information includes ID, email address, password (or password), name, gender, date of birth, contact information (or phone number), address, and the like.

In addition, the affiliated store terminal 200 may subscribe as a user to the local currency operating server 300 using SNS account information or mobile messenger account information subscribed by the user of the affiliated store terminal 200. Here, the SNS account may be information related to Facebook, Twitter, Kakao Story, Naver, Payco, and the like. In addition, the mobile messenger account may be information related to KakaoTalk, Line, Viber, WeChat, WhatsApp, Telegram, Snapchat, and the like. At this time, the local currency operation server 300 charges local currency and uses the charged local currency to provide a user who wants to purchase goods or use a payment function according to service use, and to a seller who wants to provide goods or services. Different user interfaces can be provided accordingly.

In addition, when performing the membership registration procedure, the affiliated store terminal 200 must complete an authentication function through an identity authentication means (eg, including a mobile phone, credit card, i-PIN, etc.) to be a member of the local currency operation server 300 The registration process can be completed normally.

In addition, after membership registration is completed, the affiliated store terminal 200 uses a dedicated app (or application/application) provided from the local currency operation server 300 in order to use the service provided by the local currency operation server 300 Program/specific app) is installed on the terminal 100. In this case, the dedicated app may be an app for performing an affiliate store inquiry function, a charging function, a payment function, a product sale/service provision function, and the like.

In addition, the affiliated store terminal 200 receives local currency (or payment) according to the provision of goods and/or services provided through the store related to the affiliated store terminal 200, or purchases and purchases products using local currency. / Or it can perform a payment function according to the use of the service.

In addition, the affiliated store terminal 200 may apply for exchange of local currency received as a product or service price into legal currency.

The local currency operation server 300 communicates with the terminal 100, the affiliated store terminal 200, the financial institution server 400, the blockchain server 500, and the like.

In addition, the local currency operation server 300 performs a membership registration procedure for users such as the terminal 100 and the affiliated store terminal 200.

In addition, the local currency operation server 300 registers personal information related to a user such as the terminal 100 and the affiliated store terminal 200. In this case, the local currency operation server 300 may register (or manage) corresponding personal information in a DB server (not shown).

In addition, the local currency operation server 300 performs a member management function for users such as the terminal 100 and the affiliated store terminal 200.

In addition, the local currency operation server 300 is the terminal 100, the affiliated store terminal 200 is a dedicated app and / or website that provides a function for searching a merchant, a charging function, a payment function, and a product sale/service provision function. ), etc. At this time, the exclusive app is a user who uses a merchant inquiry function, a charging function, a payment function, etc., and a user who is different according to a seller who uses the merchant inquiry function, a charging function, a payment function, and a product sales/service provision function. Interface (UI) can be provided.

In addition, the local currency operation server 300 provides a bulletin board function for announcements and events.

In addition, the local currency operation server 300 may set (or establish) a promotion policy for recruiting affiliate stores (or stores) in consideration of characteristics of a corresponding local community.

For example, as there are a large number of elderly people due to the aging of Buyeo-gun, it is possible to set a policy to secure affiliate stores (including, for example, hospitals/clinics, pharmacies, etc.) with the elderly as major customers.

In addition, the local currency operation server 300 recruits affiliated stores in consideration of the business types that cannot be affiliated with the affiliated store specified when the local currency ordinance is financed (e.g., department stores, large stores, enterprise supermarkets (SSM), entertainment establishments, etc.). At this time, the local currency operation server 300 may recruit affiliate stores in consideration of the types of businesses that cannot be affiliated based on the Distribution Industry Development Act (including, for example, the Distribution Industry Development Act Article 2 (3), etc.), the Food Sanitation Act enforcement, etc.

In addition, the local currency operation server 300 may provide a direct transaction platform for selling agricultural and marine products produced in a corresponding community through the dedicated app and/or the website.

In addition, the local currency operation server 300 analyzes a plurality of laws (or laws) related to local currency and financial expenditure, and selects (or classifies) items that can be spent in local currency among the operating budgets of the government and local governments. .

That is, the local currency operation server 300 is a law (draft) on activating the use of local love gift certificates in document form (for example, the Act on Activating the Use of Love Hometown Gift Certificates (draft) enacted by Buyeo County), Local Public Officials Act, and local Remuneration Regulations for Public Officials, Local Contract Law, Local Government Appropriation Budget Enforcement Standards, Regulations on Welfare for Public Officials, Local Love Gift Certificates City or County Standard Ordinances (for example, Love Hometown Gift Certificates City County Standard Ordinances established by Buyeo County), the distribution of local currency in Chungcheongnam-do, and Ordinance (draft) on activation of use, regulations on local public officials allowance, regulations on the Basic Pension Act enforcement regulations (Ministry of Health and Welfare Ordinance) regulations, the National Basic Livelihood Security Act and Enforcement Decree (Presidential Decree), the Disabled Persons Pension Act and childcare support reference materials, the Housing Benefit Act, and Analyzing the National Basic Livelihood Security Act, the Child Allowance Act and the Enforcement Decree of the Child Allowance Act, the Chungnam Children's Allowance Ordinance, the courtesy of veterans, and the Act on Establishment of Organizations, etc. They are classified as items that cannot be spent on money. Here, the items that can be spent in local currency (or items that can be spent in local currency) are local residents' allowances (e.g., maternity incentives, postpartum care support, youth allowance, child allowance, baby allowance, transfer incentive, college student transfer celebration, college life Including stability subsidies, child meal support, etc.), civil servants' allowance (e.g., staying and working expenses, customized welfare allowances, etc.), incentives (e.g., integrity mileage, complaint handling mileage, faithful taxpayer reward, carbon points, blood donor rewards) , Including the quit smoking success encouraging money, the report of crisis families, the excellent reward for walking practice, the excellent reward for promoting policies, etc.). In addition, the above items that cannot be spent in local currency include wages and remuneration, cost-effective amounts such as construction, services, and goods, and subsidies based on the use of credit and debit cards.

In addition, the local currency operation server 300 collects local currency target person information according to items that can be spent in the selected local currency.

That is, the local currency operation server 300 collects information on a person who will receive local currency instead of the legal currency according to the corresponding legal item for each item that can be spent in the selected local currency. Here, the information on the person to be received in local currency (or information on the person subject to local currency) includes the person's name, resident registration number, address information, and phone number.

In addition, the local currency operation server 300 is a dedicated app (or a dedicated website) provided by the target person (or the terminal 100 possessed by the target person) to receive the local currency in the corresponding local currency operation server 300 Check whether you have opened a local currency account (or account) through.

That is, the local currency operation server 300 uses the collected local currency target person information to check whether the target person has subscribed to the platform for performing a payment function using local currency using the dedicated app. .

At this time, when it is confirmed that the target person has not opened the local currency account, the local currency operation server 300 provides the terminal 100 with installation information for installing the dedicated app through a push message. . In addition, the terminal 100 installs the dedicated app based on the installation information provided from the local currency operation server 300, and relates to the user (or target person) of the terminal 100 through the installed dedicated app. Open a local currency account (or account).

In addition, when it is confirmed that the target person has opened the local currency account, the local money operation server 300 collects (or confirms) local currency account information related to the target person to be received in local currency for each corresponding legal currency. . Here, the local currency account information includes ID, name, address information, phone number, unique account identification code (or unique account identification number), and the like.

In addition, the local currency operation server 300 interlocks with the financial institution server 400 to execute the operation budget of the local government.

That is, the local currency operation server 300 interlocks with the financial institution server 400, and the legal currency to be received by the target person based on the local currency target person information and local money account collected for each item that can be spent in the local currency. Instead of (or cash), the local currency managed by the corresponding local currency operation server 300 is deposited (or provided) to a local currency account corresponding to the target person.

At this time, the local currency operation server 300 pays a portion of the legal currency to be received by the target person in legal currency according to the ratio of receiving the allowance/incentive, according to the ratio of receiving the allowance/incentive in advance by the target person, You can also pay the rest in local currency.

In addition, the local currency operation server 300 pushes alarm information indicating that local residents' allowance, civil servants' allowance, incentives, etc. are deposited in local currency according to items that can be spent in the corresponding local currency (or local currency deposit details information). It is transmitted to the terminal 100 corresponding to the target person through.

In addition, the terminal 100 corresponding to the target person receives a push alarm including the local currency deposit details information transmitted from the local currency operation server 300, and displays the received push alarm.

In addition, the local currency operation server 300 sets cultural marketing related to the local community.

That is, the local currency operation server 300 sets cultural marketing related to the local community so that not only personnel within the local community but also personnel outside the local community can use the local currency. Here, the cultural marketing related to the local community includes information such as operation period, operating entity, detailed program operation method, major target customers, experience fee, number of participants, application method, operation method, and additional courses if necessary.

In addition, the local currency operation server 300 provides information on cultural marketing related to the set local community to the terminal 100, the affiliated store terminal 200, etc. through the dedicated app and/or the website.

In addition, the local currency operation server 300 sets a general type incentive policy, a circulation type incentive policy, and a community type incentive policy for the local currency held in the terminal 100 and/or the affiliated store terminal 200.

That is, when local currency is charged to an account related to the terminal 100 in the terminal 100 on which the dedicated app provided by the local currency operation server 300 is installed, the local currency operation server 300 is In addition to the amount charged with currency, a general incentive policy is set to provide general incentives at a preset rate (for example, 10%). At this time, in the case of a general incentive provided by charging local currency in the terminal 100, it is preferentially used when performing a payment function in the terminal 100, and the corresponding terminal 100 converts local currency into fiat currency. When a currency exchange (or refund) is requested, the general incentive is set so that currency conversion to fiat currency is impossible.

In addition, after the affiliated store terminal 200 is provided with (or paid) local currency as a reward for the product or service provided by the affiliated store terminal 200, the received local currency according to the use of the product or service at another affiliated store. In the case of payment using, the local currency operation server 300 selects the affiliate store exposure ranking on the exclusive app based on the total amount of local currency reuse accumulated for each affiliated store terminal, provides marketing costs, and provides support for businesses to activate commercial areas within the area. Establish a circular incentive policy for In this case, the circular incentive policy may be a policy for inducing reuse without immediately converting the local currency paid according to the provision of goods or services to legal currency.

In addition, when the terminal 100 and/or the affiliated store terminal 200 performs a payment function using local currency according to the use of goods or services provided by the affiliated store, the local currency operation server 300 (100) and/or a community for assigning additional points or prioritizing when selecting a new project in a local community based on the accumulated total amount of local currency used by sub-regional communities corresponding to the address information of the affiliated store terminal 200 Establish a type incentive policy. In this case, the community-type incentive may be a policy for giving benefits to a development project for a corresponding small community according to information using local currency for each small community set in advance as a non-monetary incentive (or institutional incentive). Here, the sub-regional society (or sub-region) refers to an area (eg, eup, myeon, dong, etc.) subdivided in a predetermined manner for a specific community.

In addition, the local currency operation server 300 automatically generates the set policy (or contents included in the set policy) as a text file according to a preset policy form (or policy format), and the generated document Manage (or save) policies (or policy contents) in the form of files. Here, the above policy refers to a policy or means taken by the government, political organizations, individuals, etc. to realize political purposes or to solve social problems.

In addition, the local currency operation server 300 provides the set policy content to the terminal 100, the affiliated store terminal 200, etc. through the dedicated app and/or the website.

In addition, the local currency operation server 300 sets a policy for automatic charging when the local currency balance is insufficient when performing a payment function using local currency in the terminal 100 or the affiliated store terminal 200.

That is, when the local currency operation server 300 performs a payment function using local currency in the terminal 100 or the affiliated store terminal 200, when the local currency balance is insufficient, the terminal 100 / affiliated store terminal 200 ) And the financial institution server 400 to withdraw an amount corresponding to the local currency insufficient for performing a payment function from the bank account of the terminal 100 / merchant terminal 200, and the withdrawn shortfall amount Deposits to an account related to the local currency operation server 300, and deposits the local currency corresponding to the shortfall amount to the account of the terminal 100 / merchant terminal 200. In addition, the terminal 100/merchant terminal 200 normally performs a payment function according to product purchase and/or service use by using the additionally deposited local currency and the existing local currency.

In addition, when the local currency remaining in the account of the corresponding terminal 100 / affiliated store terminal 200 is less than a preset reference balance (for example, 1,000 won), the local currency operating server 300 is the terminal 100 / By interlocking with the affiliated store terminal 200 and the financial institution server 400, automatically recharges local currency corresponding to the amount charged immediately before (or the last charged amount/average amount charged within the last 3 months), or , It is also possible to automatically charge a local currency corresponding to a pre-set charge amount (for example, 50,000 won per time) by the corresponding terminal 100/merchant terminal 200.

In addition, the local currency operation server 300 collects the usage details of local currency in the local community of the terminal 100 and/or the affiliated store terminal 200. At this time, the local currency operation server 300 is a sub-community subdivided into units set in advance for the corresponding community (for example, including town units, town units, dong units, etc.) Each of the above terminal 100 and/or the affiliated store terminal 200 collects local currency usage details.

In addition, when selecting a new project in the local community, the local currency operation server 300 analyzes the collected local currency usage history, and gives additional points or priorities when selecting a new project in the local community.

In addition, the local currency operation server 300 is the terminal 100, the affiliated store terminal through the dedicated app and/or the website, such as the collected local currency usage history and the analysis result of the local currency usage history. (200) and so on.

In addition, the local currency operation server 300 analyzes the details of the collected local currency usage in the local community of the terminal 100 and/or the affiliated store terminal 200, and provides information on illegal use and/or illegal exchange. Check (or monitor).

That is, the local currency operation server 300 is a transaction that exceeds the general average in the amount of local currency transaction amount for a predetermined period (eg, daily, weekly, monthly, etc.), the user of the terminal 100 or the affiliated store terminal 200 Of the user's consumption pattern analysis result (eg, location of use, store used, amount used, etc.) and a transaction different from the result of analysis of the user's environment information of the terminal 100 / merchant terminal 200 (for example, Environment change detection transaction through the access terminal type, OS and browser type, and environmental information such as IP information), abnormal purchase pattern detection transaction using the Fraud Detection System (FDS) on an online shopping site, By checking whether a risk detection transaction occurs through the big data analysis result (including, for example, risk analysis using big data) related to the user of the terminal 100 / affiliated store terminal 200, the denial of local currency Monitor use.

In addition, the local currency operation server 300 compares the location information of the terminal 100 (or the location information of the affiliated store terminal 200) at the time of payment using the local currency and the location information of the affiliate store where payment is being made, and Monitoring the illegal use of the corresponding local currency by checking whether the location information of the terminal 100 (or the location information of the affiliated store terminal 200) exists within a preset radius (for example, 10 meters) from the location information of the affiliated store. You may.

In addition, the local currency operation server 300 includes a conversion ratio of local currency to legal currency for each terminal, a conversion ratio of local currency to legal currency for each affiliated store terminal, and a preset period (for example, daily, weekly, monthly, etc. ) Monitor the contents of illegal exchange by analyzing the contents of exchanges that exceed the average.

In addition, the local currency operation server 300 interlocks with the affiliated store terminal 200 and the financial institution server 400, on a preset date (eg, including 3 days, 5 days, weekly, etc.) The affiliated store terminal 200 performs a function of converting a local currency corresponding to a preset ratio among local currencies provided according to the provision of goods and/or services into legal currency. At this time, the local currency operation server 300 exempts the commission from converting the local currency provided by the affiliated store terminal 200 according to the provision of goods and/or services to legal currency in order to activate the attraction of affiliated stores, and If the rate of exchange to fiat currency exceeds the preset standard rate (for example, 90%), a certain fee (for example, 250 won per currency exchange) may be charged.

In addition, in accordance with the legal currency exchange of local currency, the affiliated store terminal 200 automatically receives the legal currency corresponding to the local currency to be converted to a bank account associated with the seller of the affiliated store terminal 200.

In this way, the local currency operation server 300 stores the local currency provided according to the provision of goods and/or services from the affiliated store terminal 200 according to a predetermined period unit or at the request of the affiliated store terminal 200. It can perform the function of converting into fiat currency.

In addition, in the case of performing a payment function according to product purchase and/or service use at another affiliated store using some of the local currency provided by the affiliated store terminal 200 according to the provision of products and/or services, the local currency operation server 300 accumulates the local currency usage amount (or the total local currency reuse amount) according to the local currency reuse in the affiliated store terminal 200.

In addition, the local currency operation server 300 selects the affiliate store considering at least one local community based on the total amount of local currency reuse for each affiliated store terminal accumulated over a certain period of time.

In addition, the local currency operation server 300 first exposes the stores related to the selected affiliate store terminal 200 when searching for affiliate stores (or searching affiliate stores), or provides priority to the stores when performing a commercial area activation project in a marketing area. Establish policies to provide circular incentives.

In addition, the local currency operation server 300 provides information on the set circular incentives to the terminal 100, the affiliated store terminal 200, etc. through the dedicated app and/or the website.

In this way, the local currency operation server 300 manages a function of converting legal currency to local currency (or charging function of local currency), a function of converting local currency to legal currency, and a payment function using local currency ( Or perform/control).

The financial institution server 400 communicates with the terminal 100, the affiliated store terminal 200, the local currency operation server 300, the blockchain server 500, and the like.

In addition, the financial institution server 400 is linked to the terminal 100, the affiliated store terminal 200, the local currency operation server 300, etc., bank account information related to the terminal 100, the affiliated store terminal ( 200) related bank account information, bank account information related to the local currency operation server 300, etc. are registered and managed.

In addition, the financial institution server 400 manages the deposit/withdrawal of fiat currency according to a charging function or a currency exchange function in connection with the terminal 100, the affiliated store terminal 200, and the local currency operation server 300 (Or control).

In an embodiment of the present invention, it is described that the charging function is performed using a bank account related to the user of the terminal 100, but the present invention is not limited thereto, and the financial institution server 400 is the terminal 100 It may be configured to open a virtual account related to a user of and use (or interlock) the opened virtual account to perform a charging function in the corresponding terminal 100.

The blockchain server 500 communicates with the terminal 100, the affiliated store terminal 200, the local currency operation server 300, the financial institution server 400, and the like.

In addition, the blockchain server 500 interlocks with the local currency operation server 300 to block the result of the charging function for local currency, the result of performing a payment function using the local currency, and the result of the exchange function for local currency. , Register on the blockchain.

In addition, the block chain server 500 is registered in the block chain at the request of the terminal 100, the affiliated store terminal 200, the local currency operation server 300, the financial institution server 400, etc. Blocks are provided to the corresponding terminal 100, the affiliated store terminal 200, the local currency operation server 300, the financial institution server 400, and the like. In this case, the provided block (or information) may be encrypted in a preset manner.

In this way, through the mobile local currency distribution system, a local circulation fund inflow and circulation structure is formed, and a policy for activating local currency can be determined by analyzing the use of local currency.

In addition, in this way, it is possible to analyze the amount of local currency for each community set in advance, and reflect the analysis result when selecting the SOC and farming support project.

Hereinafter, a method of providing local currency according to the present invention will be described in detail with reference to FIGS. 1 to 3.

2 to 3 are flowcharts illustrating a method of providing local currency according to an embodiment of the present invention.

First, the local currency operation server 300 analyzes a plurality of laws and regulations related to local currency and fiscal expenditure, and selects (or classifies) items that can be spent in local currency among the operating budgets of the government and local governments.

That is, the local currency operation server 300 is a law (draft) on activating the use of local love gift certificates in document form (for example, the Act on Activating the Use of Love Hometown Gift Certificates (draft) enacted by Buyeo County), Local Public Officials Act, and local Remuneration Regulations for Public Officials, Local Contract Law, Local Government Appropriation Budget Enforcement Standards, Regulations on Welfare for Public Officials, Local Love Gift Certificates City or County Standard Ordinances (for example, Love Hometown Gift Certificates City County Standard Ordinances established by Buyeo County), the distribution of local currency in Chungcheongnam-do, and Ordinance (draft) on activation of use, regulations on local public officials allowance, regulations on the Basic Pension Act enforcement regulations (Ministry of Health and Welfare Ordinance) regulations, the National Basic Livelihood Security Act and Enforcement Decree (Presidential Decree), the Disabled Persons Pension Act and childcare support reference materials, the Housing Benefit Act, and Analyzing the National Basic Livelihood Security Act, the Child Allowance Act and the Enforcement Decree of the Child Allowance Act, the Chungnam Children's Allowance Ordinance, the courtesy of veterans, and the Act on Establishment of Organizations, etc. They are classified as items that cannot be spent on money. Here, the items that can be spent in local currency (or items that can be spent in local currency) are local residents' allowances (e.g., maternity incentives, postpartum care support, youth allowance, child allowance, baby allowance, transfer incentive, college student transfer celebration, college life Including stability support, child meal support, etc.), civil servants' allowance (e.g., stay and work expenses, customized welfare allowances, etc.), incentives (e.g., integrity mileage, complaint handling mileage, faithful taxpayer reward, carbon points, blood donor rewards) , Quit smoking success encouragement, crisis family report reward, walking practice excellent reward, policy promotion excellent reward, etc.). In addition, the above items that are not allowed to spend in local currency include wages and remuneration, cost-effective amounts such as construction, services, and goods, and subsidies based on the use of credit or debit cards.

For example, the local currency operation server 300 analyzes a plurality of laws and regulations related to local currency and financial expenditure and selects a youth allowance that can be spent in local currency (S210).

Thereafter, the local currency operation server 300 collects information on the person subject to local currency according to the items that can be spent in the selected local currency.

That is, the local currency operation server 300 collects information on a person who will receive local currency instead of the legal currency according to the corresponding legal item for each item that can be spent in the selected local currency. Here, the information on the person to be received in local currency (or information on the person subject to local currency) includes the person's name, resident registration number, address information, and phone number.

In addition, the local currency operation server 300 is a dedicated app (or a dedicated website) provided by the target person (or the terminal 100 possessed by the target person) to receive the local currency in the corresponding local currency operation server 300 Check whether you have opened a local currency account (or account) through.

That is, the local currency operation server 300 uses the collected local currency target person information to check whether the target person has subscribed to the platform for performing a payment function using local currency using the dedicated app. .

At this time, when it is confirmed that the target person has not opened the local currency account, the local currency operation server 300 provides the terminal 100 with installation information for installing the dedicated app through a push message. . In addition, the terminal 100 installs the dedicated app based on the installation information provided from the local currency operation server 300, and relates to the user (or target person) of the terminal 100 through the installed dedicated app. Open a local currency account (or account).

In addition, when it is confirmed that the target person has opened the local currency account, the local money operation server 300 collects (or confirms) local currency account information related to the target person to be received in local currency for each corresponding legal currency. . Here, the local currency account information includes ID, name, address information, phone number, unique account identification code (or unique account identification number), and the like.

For example, the local currency operation server 300 collects first to third local currency target person information to receive youth allowances that can be spent in the selected local currency.

In addition, the local currency operation server 300 is provided by the corresponding first to third target persons from the corresponding local currency operation server 300 based on the collected first local currency target person information to the third local currency target person information. Check whether you have opened a local currency account through a dedicated app (for example, the Goodtrade Pay app operated by Boryeong-gun). Here, the word gouttres is a compound word of gout (good) in the meaning of Micah, taste, aesthetics, discerning, sense, etc. in French, and tres (trae) in the meaning of terribly, very, great, etc., and the fertile land of Buyeo It represents a joint brand of Buyeo-gun that expresses the best products produced in a nice garden, a natural environment of nature.

In addition, as a result of the confirmation, when the first to third targets have opened a local currency account through a dedicated app provided by the corresponding local currency operating server 300, the local currency operating server 300 First local currency account information related to the first target person, second local currency account information related to the second target person, and third local currency account information related to the third target person are respectively collected (S220).

Thereafter, the local currency operation server 300 interlocks with the financial institution server 400 to execute the operation budget of the local government.

That is, the local currency operation server 300 interlocks with the financial institution server 400, and the legal currency to be received by the target person based on the local currency target person information and local money account collected for each item that can be spent in the local currency. Instead of (or cash), the local currency managed by the corresponding local currency operation server 300 is deposited (or provided) to a local currency account corresponding to the target person.

In addition, the local currency operation server 300 pushes alarm information indicating that local residents' allowance, civil servants' allowance, incentives, etc. are deposited in local currency according to items that can be spent in the corresponding local currency (or local currency deposit details information). It is transmitted to the terminal 100 corresponding to the target person through.

In addition, the terminal 100 corresponding to the target person receives a push alarm including the local currency deposit details information transmitted from the local currency operation server 300, and displays the received push alarm.

For example, the local currency operation server 300 interlocks with the financial institution server 400, and the first local currency account information related to the first target person collected for the youth allowance item, and the second target person 2 Using the local currency account information and the third local currency account information related to the third target person, 500,000 won, which is the legal currency amount according to the youth allowance, is managed by the local currency operation server 300 (corresponding legal currency Convert to a local currency of 500,000 won corresponding to the amount and 1:1 ratio) and deposit into the first local currency account to the third local currency account corresponding to the first local currency account information or the third local currency account information. do.

In addition, the local currency operation server 300 indicates that the local currency of 500,000 won corresponding to the youth allowance has been deposited into the first local currency account to the first terminal 100 related to the first local currency account information. Including that the local currency of 500,000 won corresponding to the youth allowance has been deposited to the second local currency account to the second terminal 100 related to the second local currency account information Transmitting a second push alarm to the third local currency account information, including that the local currency of 500,000 won corresponding to the youth allowance has been deposited into the third local currency account to the third terminal 100 related to the third local currency account information. Send the third push alarm.

In addition, the first terminal receives the first push alarm transmitted from the local currency operation server 300, and displays the received first push alarm.

In addition, the second terminal receives the second push alarm transmitted from the local currency operation server 300, and displays the received second push alarm.

In addition, the third terminal receives the third push alarm transmitted from the local currency operation server 300, and displays the received third push alarm (S230).

In addition, the local currency operation server 300 sets cultural marketing related to the local community.

That is, the local currency operation server 300 sets cultural marketing related to the local community so that not only personnel within the local community but also personnel outside the local community can use the local currency. Here, the cultural marketing related to the local community includes information such as operation period, operating entity, detailed program operation method, major target customers, experience fee, number of participants, application method, operation method, and additional courses if necessary.

For example, the local currency operation server 300 is a marketing for enjoying Baekje culture along the moonlight of the full moon using the Baekje cultural heritage site in connection with the Buyeo-gun, marketing a proposal event using a love tree, marketing for the Buyeo Hyanggyo stay scholar experience event, and Buyeo's old house. Set up small concert marketing and alley RPG marketing. At this time, the marketing of enjoying Baekje culture along the moonlight of the full moon using the Baekje cultural heritage site is the operating period (for example, May to October, 18:30 to 21:00), and the operating entity (for example, Buyeo-gun Culture and Tourism Division/Travel Agency) ), detailed program operation method (e.g., operating on Saturdays around the full moon every month: Gungnamji/Busosan/Nakhwaam), major target customers (e.g. Buyeo County residents, tourists visiting Buyeo), experience fee (e.g. 10,000 won per person, bus, Including explanation of the site, simple refreshments, meal expenses (free meal) separately), number of participants (for example, 40 people on a first-come, first-served basis), application method (for example, promotion/reception/payment for mobile local currency apps), operation method (for example, For example, schedules and courses are organized differently according to seasonal cultural sites and festival periods, and various events), and additional course development if necessary (e.g. Jeongnamji lotus festival period (July), chrysanthemum festival period (October/November), It includes the development of the Namji Seomun parking lot gathering course, the tour around Busosanseong Fortress, the creation and development of a course in the downtown area, the creation and development of a course walking through the autumn fields, and the creation and development of the Baekma River Dulle-gil course).

In addition, the promotion event marketing using the above love tree is the operation period (e.g. every Saturday), the operating entity (e.g. Buyeo Culture and Tourism Division/Travel Agency/Wedding Event Company), place (e.g., Seongheungsan, Imcheon-myeon, Buyeo-gun) Love Tree), major target customers (eg, Buyeo County residents and tourists visiting Buyeo, adult male and female couples), detailed program operation method (e.g., for adult male and female couples, it is operated by receiving requests from people who want a proposal event at Love Tree) , Experience fee (e.g., 20,000 won per person, love tree movement, historical site commentary, photo taking, etc.), number of participants (e.g., first-come, first-served basis OO), application method (e.g., mobile local currency app promotion/reception/payment) ), operation method (for example, through storytelling of Seodong-ryo of Princess Seonhwa in the past and King Mu of Baekje, promoting a confession of love and a proposal event program for young men and women) (S240).

In addition, the local currency operation server 300 sets a general type incentive policy, a circulation type incentive policy, and a community type incentive policy for the local currency held in the terminal 100 and/or the affiliated store terminal 200.

That is, when local currency is charged to an account related to the terminal 100 in the terminal 100 on which the dedicated app provided by the local currency operation server 300 is installed, the local currency operation server 300 is In addition to the amount charged with currency, a general incentive policy is set to provide general incentives at a preset rate (for example, 10%).

In addition, after the affiliated store terminal 200 is provided with (or paid) local currency as a reward for the product or service provided by the affiliated store terminal 200, the received local currency according to the use of the product or service at another affiliated store. In the case of payment using, the local currency operation server 300 selects the affiliate store exposure ranking on the exclusive app based on the total amount of local currency reuse accumulated for each affiliated store terminal, provides marketing costs, and provides support for businesses to activate commercial areas within the area. Establish a circular incentive policy for In this case, the circular incentive policy may be a policy for inducing reuse without immediately converting the local currency paid according to the provision of goods or services to legal currency.

In addition, when the terminal 100 and/or the affiliated store terminal 200 performs a payment function using local currency according to the use of goods or services provided by the affiliated store, the local currency operation server 300 (100) and/or a community for assigning additional points or prioritizing when selecting a new project in a local community based on the accumulated total amount of local currency used by sub-regional communities corresponding to the address information of the affiliated store terminal 200 Establish a type incentive policy. In this case, the community-type incentive may be a policy for giving benefits to a development project for a corresponding small community according to information using local currency for each small community set in advance as a non-monetary incentive (or institutional incentive). Here, the sub-regional society (or sub-region) refers to an area (eg, eup, myeon, dong, etc.) subdivided in a predetermined manner for a specific community.

For example, when the first terminal wants to charge 100,000 won of cash in local currency, the local money operation server 300 includes the preset ratio (for example, in addition to the local currency of 100,000 won charged by the first terminal) A general incentive policy is set to provide additional local currency of 10,000 won, a general incentive of 10%).

As another example, after purchasing the ABCD product provided by the first affiliated store terminal 200 in the first terminal and receiving the local currency of 50,000 won by the first affiliated store terminal, the first affiliated store terminal is the second affiliated store terminal. When using the local currency of 30,000 won, which is part of the local currency of 50,000 won, which was provided according to the use of the nail service at the second affiliate related to (200), the local currency operation server 300 is the local currency at the first affiliated store terminal. Based on the total amount of local currency reuse accumulated according to currency reuse, a circular incentive policy is set to select the affiliate store exposure ranking on the exclusive app, provide some of the marketing expenses, or support the business area revitalization within the area.

As another example, the local currency operation server 300 uses the total amount of local currency used for a certain period in a plurality of terminals and affiliated store terminals addressed to Buyeo-eup, Buyeo-gun including the first terminal and the first affiliated store terminal. As a basis, when selecting a new community project, a community-type incentive policy is set to give additional points or prioritize the corresponding Buyeo-eup (S250).

In addition, the local currency operation server 300 collects the usage details of local currency in the local community of the terminal 100 and/or the affiliated store terminal 200. At this time, the local currency operation server 300 is a sub-community subdivided into units set in advance for the corresponding community (for example, including town units, town units, dong units, etc.) Each of the above terminal 100 and/or the affiliated store terminal 200 collects local currency usage details.

In addition, when selecting a new project in the local community, the local currency operation server 300 analyzes the collected local currency usage history, and gives additional points or priorities when selecting a new project in the local community.

For example, the local currency operation server 300 is Oesan-myeon, Eunsan-myeon, Naesan-myeon, Guryong-myeon, Hongsan-myeon, Nam-myeon, Oksan-myeon, Chunghwa-myeon, Gyuam-myeon, Jangam-myeon, Imcheon-myeon, Yanghwa-myeon, Sedo-myeon, Buyeo-eup, Chochon-myeon. And collecting (or accumulating) the amount of local currency used in the plurality of terminals 100 and/or the plurality of affiliated store terminals 200 addressing the small community in units of asbestos.

In addition, when performing a living condition renovation project in vulnerable areas in 2020, the local currency operation server 300 is preset in Guryong-myeon, Buyeo-gun (or Nonti 2-ri, Guryong-myeon, Buyeo-gun) based on the accumulated amount of local currency used for each small community. Additional points (for example, 5 points) are given (S260).

Thereafter, the local currency operation server 300 analyzes the details of the collected local currency usage in the local community of the terminal 100 and/or the affiliated store terminal 200, and detects illegal use and/or illegal currency exchange. Check (or monitor).

That is, the local currency operation server 300 is a transaction that exceeds the general average in the amount of local currency transaction amount for a predetermined period (eg, daily, weekly, monthly, etc.), the user of the terminal 100 or the affiliated store terminal 200 Of the user's consumption pattern analysis result (eg, location of use, store used, amount used, etc.) and a transaction different from the result of analysis of the user's environment information of the terminal 100 / merchant terminal 200 (for example, the user Environment change detection transaction through the access terminal type, OS and browser type, and environmental information such as IP information), abnormal purchase pattern detection transaction using a financial transaction blocking system (FDS) at an online shopping site, the terminal 100 )/Checks whether or not a risk detection transaction occurs through the big data analysis result (including, for example, risk analysis using big data) related to the user of the affiliated store terminal 200, and monitors the illegal use of local currency. .

In addition, the local currency operation server 300 compares the location information of the terminal 100 (or the location information of the affiliated store terminal 200) at the time of payment using the local currency and the location information of the affiliate store where payment is being made, and Monitoring the illegal use of the corresponding local currency by checking whether the location information of the terminal 100 (or the location information of the affiliated store terminal 200) exists within a preset radius (for example, 10 meters) from the location information of the affiliated store. You may.

In addition, the local currency operation server 300 includes a conversion ratio of local currency to legal currency for each terminal, a conversion ratio of local currency to legal currency for each affiliated store terminal, and a preset period (for example, daily, weekly, monthly, etc. ) Monitor the contents of illegal exchange by analyzing the contents of exchanges that exceed the average.

As an example, when the payment function according to the purchase of ABCD products is performed at the first affiliated store through the first terminal, the local currency operation server 300 has a preset radius (for example, from the location information of the first affiliated store). 10 meters), it is determined whether the location information of the first terminal (or GPS information of the first terminal) is located, and whether or not the local currency is illegally used is monitored (S270).

In addition, the local currency operation server 300 interlocks with the affiliated store terminal 200 and the financial institution server 400, on a preset date (eg, including 3 days, 5 days, weekly, etc.) The affiliated store terminal 200 performs a function of converting a local currency corresponding to a preset ratio among local currencies provided according to the provision of goods and/or services into legal currency. At this time, the local currency operation server 300 exempts the commission from converting the local currency provided by the affiliated store terminal 200 according to the provision of goods and/or services to legal currency in order to activate the attraction of affiliated stores, and If the rate of exchange to fiat currency exceeds the preset standard rate (for example, 90%), a certain fee (for example, 250 won per currency exchange) may be charged.

In addition, in accordance with the legal currency exchange of local currency, the affiliated store terminal 200 automatically receives the legal currency corresponding to the local currency to be converted to a bank account associated with the seller of the affiliated store terminal 200.

For example, the local currency operation server 300 interlocks with the first affiliated store terminal and the financial institution server 400, and the local currency of 1 million won received from the corresponding first affiliated store terminal according to product sales every 3 days Among them, the local currency of 500,000 won corresponding to a preset ratio (for example, 50%) is exchanged into legal currency and deposited into a bank account related to the corresponding first affiliated store terminal (S280).

Thereafter, when performing a payment function according to product purchase and/or service use at another affiliated store by using some of the local currency provided by the affiliated store terminal 200 according to the provision of products and/or services, the local currency operation server 300 accumulates the local currency usage amount (or the total local currency reuse amount) according to the local currency reuse in the affiliated store terminal 200.

In addition, the local currency operation server 300 selects the affiliate store considering at least one local community based on the total amount of local currency reuse for each affiliated store terminal accumulated over a certain period of time.

In addition, the local currency operation server 300 first exposes the stores related to the selected affiliate store terminal 200 when searching for affiliate stores (or searching affiliate stores), or provides priority to the stores when performing a commercial area activation project in a marketing area. Establish policies to provide circular incentives.

As an example, by using some of the local currency provided by the first affiliated store terminal according to product sales, visiting another 2nd affiliated store to the 10th affiliated store, respectively, and using a local currency of 3 million won according to product purchase and/or service use. When in the state, the local currency operation server 300 localizes the first affiliated store corresponding to the corresponding first affiliated store terminal based on the local currency reuse amount (for example, 3 million won) in the corresponding first affiliated store terminal for a certain period of time. It is selected as an affiliate store that considers the community, and the selected first affiliate store is set to be exposed first when the affiliate store is searched in the other terminal 100 (S290).

As described above, the embodiment of the present invention forms a local circulation fund inflow and circulation structure through the mobile local currency distribution system, analyzes the usage of local currency, determines a policy for local currency activation, It can prevent outflows outside the region, promote distribution and consumption within the jurisdiction, and revitalize the local economy by creating circulating added value.

In addition, as described above, the embodiment of the present invention analyzes the amount of local currency for each community set in advance, and reflects the analysis result when selecting an SOC and farming support project, thereby inducing the unity of the local community.

The above contents may be modified and modified without departing from the essential characteristics of the present invention by those of ordinary skill in the technical field to which the present invention belongs. Accordingly, the embodiments disclosed in the present invention are not intended to limit the technical idea of the present invention, but to explain the technical idea, and the scope of the technical idea of the present invention is not limited by these embodiments. The scope of protection of the present invention should be interpreted by the following claims, and all technical ideas within the scope equivalent thereto should be interpreted as being included in the scope of the present invention.

10: local currency providing system 100: terminal
200: affiliated store terminal 300: local currency operation server
400: financial institution server 500: blockchain server

Claims (10)

By analyzing a plurality of laws and regulations related to local currency and fiscal expenditure, select items that can be spent in local currency among the operating budgets of the government and local governments, and collect information on local currency targets according to the items available for spending in the selected local currency. , Check whether the target person to receive in local currency has opened a local currency account through a dedicated app provided by the local currency operation server, and when the target person is confirmed to have opened the local currency account, for each legal currency The local currency operation server for collecting local currency account information related to a target person to be received in local currency; And
In conjunction with the local currency operation server, including a financial institution server that executes the operating budget of the local government,
The local currency operation server,
Part of the legal currency to be received by the target person in legal currency is paid to the target person in legal currency according to the rate of receiving the allowance or incentive, and the remainder is paid in local currency,
Set general incentive policy, circular incentive policy, and community-type incentive policy for local currency held in terminals and affiliated store terminals,
When charging local currency to an account related to the terminal in the terminal on which the dedicated app provided by the local currency operation server is installed, in addition to the amount charged with the local currency, to provide a general incentive at a preset rate Set up a general incentive policy,
When the affiliated store terminal receives local currency as a compensation for the product or service provided by the affiliated store terminal, and then pays using the received local currency according to the use of the product or service at another affiliated store, the accumulated per affiliated store terminal Based on the total amount of local currency reuse, a circular incentive policy is set to provide at least one of the selection of the affiliate store exposure ranking on the exclusive app, the provision of marketing expenses, and support for the business of activating the commercial district in the area
When the terminal and the affiliated store terminal perform a payment function using local currency according to the use of goods or services provided by the affiliated store, the total local currency accumulated for each small community corresponding to the address information of the terminal and the affiliated store terminal A system for providing local currency, characterized in that a community-type incentive policy is set to assign additional points or prioritize when selecting a new project in a local community based on the amount used. The method of claim 1,
Items that can be spent in the above local currency are:
A system for providing local currency, comprising at least one of a local resident's allowance, a public servant's allowance, and an incentive. The method of claim 1,
The local currency operation server,
A system for providing local currency, characterized in that, for each item that can be spent in the selected local currency, information on a person who will receive the local currency instead of the legal currency is collected according to the legal item. delete The method of claim 1,
The local currency operation server,
In conjunction with the affiliated store terminal and the financial institution server, the affiliated store terminal performs a function of converting a local currency corresponding to a preset ratio among the local currency provided according to the provision of goods and services on a predetermined date to legal currency Local currency provision system. Analyzing a plurality of laws and regulations related to local currency and financial expenditure by the local currency operation server, and selecting items that can be spent in local currency from the operating budgets of the government and local governments;
Collecting, by the local currency operation server, information on a person subject to local currency according to an item that can be spent in the selected local currency;
Checking, by the local currency operation server, whether a target person to receive in local currency has opened a local currency account through a dedicated app provided by the local currency operation server;
Collecting, by the local currency operation server, local currency account information related to the person to be received in local currency for each legal currency when the target person is confirmed to have opened the local currency account;
Executing an operating budget of a local government by the local currency operating server in connection with a financial institution server; And
And setting a general incentive policy, a circular incentive policy, and a community-type incentive policy for the local currency held by the terminal and the affiliated store terminal by the local currency operation server,
The step of executing the operating budget of the local government,
Part of the legal currency to be received by the target person in legal currency is paid to the target person in legal currency according to the rate of receiving the allowance or incentive, and the remainder is paid in local currency,
The step of setting the general type incentive policy, circular type incentive policy, and community type incentive policy,
When charging local currency to an account related to the terminal in the terminal on which the dedicated app provided by the local currency operation server is installed, in addition to the amount charged with the local currency, to provide a general incentive at a preset rate The process of setting a general incentive policy;
When the affiliated store terminal receives local currency as a compensation for the product or service provided by the affiliated store terminal, and then pays using the received local currency according to the use of the product or service at another affiliated store, the accumulated per affiliated store terminal A process of setting a circular incentive policy to provide at least one of a member store exposure ranking on a dedicated app based on the total amount of local currency reuse, marketing expenses, and support for a commercial area activation project in the area; And
When the terminal and the affiliated store terminal perform a payment function using local currency according to the use of goods or services provided by the affiliated store, the total local currency accumulated for each small community corresponding to the address information of the terminal and the affiliated store terminal A method of providing local currency, comprising the process of setting a community-type incentive policy to give additional points or prioritize when selecting a new project in a local community based on the amount used. The method of claim 6,
The step of executing the operating budget of the local government,
The local currency operation server instead of the legal currency to be received by the target person based on the local currency target person information and local money account collected by the item available for expenditure in the local currency by interlocking with the financial institution server by the local money operation server Depositing and processing the local currency managed by the local currency into the local currency account corresponding to the target person;
By the local currency operation server, information indicating that any one of a local resident's allowance, a government official's allowance, and an incentive according to the item that can be spent in the local currency is deposited in local currency is transmitted to the terminal corresponding to the target person through a push alarm. Transfer process; And
And displaying, by the terminal, information indicating that the local currency has been deposited in the local currency transmitted from the local currency operation server. The method of claim 6,
And setting, by the local currency operation server, cultural marketing related to the local community. delete delete

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