KR102173129B1 - System for providing local currency and method thereof - Google Patents

Abstract

The present invention discloses a system for providing local currency and a method thereof. The present invention may induce activation of local economy through use of local currency by performing a payment function according to product purchase and/or service use using the local currency through simple payment using a QR code. The system comprises: a terminal; an affiliated store terminal; and a local currency operating server.

Description

System for providing local currency and method thereof

The present invention relates to a system and method for providing local currency, and in particular, to a system and method for providing local currency for performing a payment function according to product purchase and/or service use using local currency through simple payment using a QR code. About.

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]

It is an object of the present invention to provide a system and method for providing local currency for performing a payment function according to product purchase and/or service use using local currency through simple payment using a QR code.

Another object of the present invention is a system and method for providing local currency that recycles at least part of the local currency provided by the affiliated store terminal according to the local currency payment of the terminal for product purchase and/or service use at other stores To provide.

Another 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. I have to.

Another object of the present invention is to provide a system and method for providing local money 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 local currency providing system according to an embodiment of the present invention displays a QR code scan screen corresponding to the selected payment menu when a preset payment menu is selected on the app execution result screen displayed on the terminal, and is displayed on the terminal. When the QR code placed in the store or the QR code displayed on the affiliated store terminal is scanned through the QR code scanning screen, the payment amount input screen is displayed to receive the payment amount for product purchase and service use, and displayed on the terminal. The terminal for displaying a password input screen for inputting a password when a payment item displayed on one side of the payment amount input screen is selected after a payment amount is input according to a user input on the payment amount input screen; The affiliated store terminal providing goods and services; And when the password according to the user input on the password input screen displayed on the terminal matches the security password registered in advance in relation to the terminal, the local currency held in the account of the terminal is interlocked with the terminal and the affiliated store terminal. It may include a local currency operating server that performs a payment function according to the payment amount by using.

As an example related to the present invention, the QR code may include a unique identification code related to a store in which the QR code is placed, a store name, store location information, store contact information, unique identification information of the affiliated store terminal related to the store, and It may include affiliate store information including at least one of the account information.

As an example related to the present invention, the affiliated store terminal, in connection with the local currency operation server and the financial institution server, corresponds to a preset ratio among local currencies provided according to the provision of goods and services from the affiliated store terminal on a preset date. By performing a function of converting local currency into fiat currency, it is possible to receive the fiat currency corresponding to the local currency requested for exchange into a bank account associated with the seller of the affiliated store terminal.

In the method of providing local currency according to an embodiment of the present invention, when a preset payment menu is selected on the app execution result screen displayed on the terminal by the terminal, a QR code scan screen corresponding to the selected payment menu is displayed. Step to do; When the QR code placed in the store or the QR code displayed on the affiliated store terminal is scanned through the QR code scanning screen displayed on the terminal, the payment amount for receiving the payment amount according to product purchase and service use by the terminal Displaying an input screen; When a payment item displayed on one side of the payment amount input screen is selected after the payment amount is input on the payment amount input screen displayed on the terminal, a password input screen for receiving a password by the terminal Displaying; And when the password according to the user input on the password input screen displayed on the terminal matches the security password previously registered in relation to the terminal, the terminal interlocks with the affiliated store terminal and the local currency operation server by the terminal. It may include performing a payment function according to the payment amount by using the local currency held in the account of.

As an example related to the present invention, the step of performing the payment function according to the payment amount using the local currency held in the account of the terminal, by the terminal, according to a user input on a password input screen displayed on the terminal Transmitting the received password, identification information of the terminal, the payment amount, affiliate store information and payment request information according to the QR code scan to the local currency operation server; Checking, by the local currency operation server, whether the security password registered in advance corresponding to the account related to the terminal and the password transmitted from the terminal match; And when the security password registered in advance corresponding to the account related to the terminal matches the password transmitted from the terminal, the local currency operating server withdraws the local currency corresponding to the payment amount from the account related to the terminal. Processing, and depositing a local currency corresponding to the withdrawal-processed payment amount into an account related to the affiliated store terminal included in the affiliated store information.

As an example related to the present invention, when the terminal performs a payment function using local currency, when the local currency balance is insufficient, the terminal interlocks with the local currency operation server and a financial institution server, and an area where payment function is insufficient Withdrawing an amount corresponding to the currency from the bank account of the terminal, depositing the withdrawn shortfall amount to an account related to the local currency operation server, and depositing the local currency corresponding to the shortfall amount to the account of the terminal ; And performing, by the terminal, a payment function according to the payment amount by using the local currency held by additional charging in the account of the terminal in connection with the affiliated store terminal and the local currency operation server. have.

As an example related to the present invention, the performing of the payment function includes, by the terminal, a scan for a QR code including information about the store related to the store provided by the terminal and a payment amount to be paid by the terminal. After performing password authentication, the payment function can be performed.

As an example related to the present invention, by the affiliated store terminal, the other affiliated store terminal is interlocked with the other affiliated store terminal and the local currency operation server, and the other affiliated store terminal using the local currency provided by the affiliated store terminal by performing a payment function with the terminal It may further include performing another payment function according to the use of the product and service provided by.

As an example related to the present invention, when a preset charging menu is selected from an app execution result screen displayed on the terminal by the terminal, displaying a charging screen corresponding to the selected charging menu; A password for receiving a password by the terminal when a preset charging menu displayed on one side of the charging screen is selected after the charging amount and the linked bank account are selected according to the user selection on the charging screen displayed on the terminal Displaying an input screen; When the password according to the user input on the password input screen displayed on the terminal matches the security password previously registered in relation to the terminal, the terminal interlocks with the local currency operation server and the financial institution server, and the charge amount Performing a charging function for the local currency corresponding to the; And encrypting the deposit information including the recharge amount charged in the terminal in a preset encryption method by interworking with the block chain server by the local currency operation server, and registering the encrypted deposit information in the blockchain. It may contain more.

As an example related to the present invention, performing a charging function for local currency corresponding to the charging amount includes, by the terminal, a password received according to a user input on a password input screen displayed on the terminal, the charging amount , Transmitting the linked bank account, identification information of the terminal, and charging request information to the local currency operation server; Checking, by the local currency operation server, whether the security password registered in advance corresponding to the account related to the terminal and the password transmitted from the terminal match; When the security password registered in advance corresponding to the account related to the terminal and the password transmitted from the terminal match, by the local currency operation server, the account information of the terminal, the linked bank account information of the bank related to the terminal, Transmitting the recharge amount, account information related to the local currency operation server, and withdrawal request information to the financial institution server; Processing, by the financial institution server, an amount corresponding to the charging amount from a linked bank account related to the terminal, and depositing the processed amount into a bank account related to the local currency operation server; Transmitting, by the financial institution server, information indicating that the amount corresponding to the recharge amount has been deposited into an account related to the local currency operation server to the local currency operation server; Receiving information indicating that the amount corresponding to the recharge amount transmitted from the financial institution server has been deposited into an account related to the local money operation server in response to the withdrawal request information transmitted previously by the local money operation server. process; And depositing the local currency into the account of the terminal by summing the local currency corresponding to the charging amount and the local currency corresponding to a general incentive to which a preset ratio is applied to the charging amount by the local currency operation server. have.

The present invention has the effect of inducing activation of the local economy according to the use of local currency by performing a payment function according to product purchase and/or service use using local currency through simple payment using a QR code.

In addition, the present invention uses at least a portion of the local currency provided in accordance with the local currency payment of the terminal at the affiliated store terminal and recycles it for product purchase and/or service use at other stores, thereby improving circulating added value. It works.

In addition, the present invention forms a local circulation fund inflow and circulation structure through a mobile local currency distribution system, analyzes the usage history of local currency and determines a policy for activating local currency, thereby preventing the outflow of local resources outside the region, and It has the effect of promoting retail consumption 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 system for providing local currency according to an embodiment of the present invention.
2 to 3 are flowcharts illustrating a method of providing local currency according to the first embodiment of the present invention.
4 is a flowchart illustrating a method of providing local currency according to a second embodiment of the present invention.
5 to 9 are diagrams showing examples of screens of a terminal 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 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 local currency providing system 10 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 addition, the terminal 100 executes a dedicated app previously installed in the terminal 100 and displays an app execution result screen according to the execution of the dedicated app. At this time, the app execution result screen is a detailed menu for displaying a sub-menu, our village index menu for indicating the ranking according to the local currency usage of a small community corresponding to the user's address of the terminal 100, and the local currency held. Holding status menu (including balance, recharge amount, incentives, etc.) to display details of the user, recharge menu to recharge local currency using the user's linked bank account, payment using local currency A payment menu to perform a function, a recent usage history menu to display the recent local currency usage history, a home menu to return to the initial screen, and an affiliate store to search nearby affiliate stores based on real-time location information of the terminal 100 It includes an inquiry menu, a good store menu to provide information on excellent affiliates, and a usage history menu to display the usage history of local currency by period or by use case. Here, the terminal 100 is a member of the server 300 that provides the dedicated app, and the phone number, ID and password related to the user according to the membership registration, a barcode or QR code including the ID, and an email By using the address and account information corresponding to the social network service, the login procedure is performed when the dedicated app is executed, and one or more functions of the dedicated app (including, for example, affiliated store inquiry function, charging function, payment function, etc.) are performed. can do.

In addition, when a preset charging menu is selected on the app execution result screen displayed on the terminal 100, the terminal 100 displays a charging screen corresponding to the selected charging menu. Here, the charging screen includes a charging amount input item for inputting a charging amount, an account selection item for selecting a linked bank account, a charging menu for performing a charging function, and the like.

In addition, after the charging amount and the linked bank account are selected according to the user selection (or user input/touch/control) on the charging screen displayed on the terminal 100, a preset charging menu displayed on one side of the charging screen is selected. If so, the terminal 100 displays a password input screen for inputting a password.

In addition, when the password according to the user input on the password input screen displayed on the terminal 100 matches the security password previously registered (or set) in relation to the terminal 100, the terminal 100 is In connection with the operation server 300 and the financial institution server 400, the terminal 100 processes withdrawal of the amount corresponding to the recharge amount from the linked bank account, and transfers the local currency corresponding to the amount of the withdrawn legal currency. ) To the account. Here, the account of the terminal 100 may be an account created when a member subscribes to a platform for a local currency service operated by the local currency operation server 300.

That is, the terminal 100 is the password received according to the user input on the password input screen displayed on the terminal 100, the charge amount, the linked bank account (or linked bank account information), the terminal 100 Identification information (or account information of the terminal 100), charging request information, etc. are transmitted to the local currency operating server 300. Here, the identification information of the terminal 100 includes mobile directory number (MDN), mobile IP, mobile MAC, subscriber identity module (SIM) card unique information, serial number, and the like.

In addition, the terminal 100 receives information indicating that the password transmitted from the local currency operating server 300 does not match in response to the previously transmitted password, and indicates that the received password does not match. Display information.

In addition, the terminal 100 displays information indicating that the charging function for the charging amount transmitted from the local currency operation server 300 is normally completed in response to the previously transmitted password or the like.

In this way, the terminal 100 can conveniently convert the recharge amount desired by the user into local currency.

In an embodiment of the present invention, after performing the authentication process through the password input by the user, the user withdraws the amount corresponding to the charging amount that the user wants to charge from the bank account, and converts the withdrawn amount into local currency to It describes the process of deposit processing to the account of (100), but is not limited thereto. In addition to the authentication function through the password, the authentication process through the user's biometric information (for example, including fingerprint, iris, vein, etc.) May be considered.

In addition, when a preset payment menu is selected on the app execution result screen displayed on the terminal 100, the terminal 100 displays a QR code scan screen corresponding to the selected payment menu. Here, the QR code scan screen includes a QR code scan area item for guiding an area where the QR code to be scanned is located for scanning the QR code, a guide item for displaying guide information, and the like.

In addition, when the QR code placed in the store or the QR code displayed on the affiliated store terminal 200 is scanned (or recognized) through the QR code scanning screen displayed on the terminal 100, the terminal 100 purchases a product And/or displaying a payment amount input screen for inputting a payment amount according to service use. Here, the payment amount input screen includes a payment amount input item for inputting a payment amount, a payment item for performing a payment function with the input payment amount, and the like. Here, the QR code is a unique identification code (or unique identification number/information) related to the store (or affiliate store) where the QR code is placed (or equipped), the store name, store location information, store contact information, and It includes affiliate store information including unique identification information of the affiliate store terminal 200 and account information of the affiliate store terminal 200.

In addition, when a payment item displayed on one side of the payment amount input screen is selected after a payment amount is input according to a user input on the payment amount input screen displayed on the terminal 100, the terminal 100 enters a password. Displays the password input screen for input.

In addition, when the password according to the user input on the password input screen displayed on the terminal 100 matches the security password previously registered (or set) in relation to the terminal 100, the terminal 100 In connection with the terminal 200 and the local currency operation server 300, the local currency corresponding to the input payment amount is withdrawn from the account associated with the terminal 100, and corresponding to the withdrawn payment amount The local currency is deposited into an account related to the affiliated store terminal 200.

That is, the terminal 100 is the password received according to the user input on the password input screen displayed on the terminal 100, identification information of the terminal 100 (or account information of the terminal 100), and the payment The amount, merchant information according to the QR code scan, payment request information, etc. are transmitted to the local currency operation server 300.

In addition, the terminal 100 displays information indicating that the payment function for the payment amount transmitted from the local currency operation server 300 has been normally completed in response to the previously transmitted payment request information.

In this way, the terminal 100 may conveniently perform a payment function using a local currency for a payment amount desired by the user.

In addition, when the terminal 100 performs a payment function using local currency, when the local currency balance is insufficient, the terminal 100 interlocks with the local currency operation server 300 and the financial institution server 400, Withdraw the amount corresponding to the local currency insufficient to perform the payment function from the bank account of the terminal 100, deposit the withdrawn shortfall amount into the account related to the local currency operation server 300, and respond to the shortfall amount Deposit the local currency to the account of the terminal 100. In addition, the terminal 100 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 terminal 100 is less than a preset reference balance (for example, 1,000 won), the terminal 100 may be configured with the local currency operation server 300 and the financial institution server 400 ), automatically recharges the local currency corresponding to the amount recharged immediately before (or the last recharged amount/average recharge amount within the last 3 months), or the recharge amount preset by the corresponding terminal 100 You can also automatically recharge local currency equivalent to (for example, 50,000 won per time).

In an embodiment of the present invention, it is described that the terminal 100 performs a payment function by performing a QR code recognition process related to a store, a payment amount input process, and a password authentication process, but is not limited thereto. (100) omits the user's payment amount input process by scanning the QR code including the merchant information related to the store provided by the merchant terminal 200 and the payment amount to be paid by the terminal 100, It can also be configured to complete the payment function immediately after performing password authentication.

That is, when the terminal 100 wants to perform a payment function according to the use of goods and/or services provided by a store corresponding to the affiliated store terminal 200, the terminal 100 is displayed on the terminal 100. The QR code displayed on the affiliated store terminal 200 is scanned through the QR code scanning screen.

In addition, the terminal 100 skips the payment amount input process, displays the password input screen to receive a password, and performs an authentication process between a password according to a user input and a pre-registered security password. Perform.

In the embodiment of the present invention, it is described that the payment function is performed through a QR code scan, but the present invention is not limited thereto, and in addition to performing the payment function through the QR code scan, the terminal 100 The payment function may also be performed through an NFC card (or NFC tag) issued in connection with.

That is, the affiliated store terminal 200 recognizes (or scans) an NFC card charged with local currency held by the user of the terminal 100, and uses the local currency included in the recognized NFC card to the corresponding terminal ( 100) performs a payment function according to product purchase and/or service use by the user. In this case, the affiliated store terminal 200 may be a point of sales (POS) terminal. Here, the NFC card is issued by inputting encrypted user identification information when the user of the terminal 100 applies for issuance.

That is, when the affiliated store terminal 200 recognizes the NFC card held by the user of the terminal 100, the affiliated store terminal 200 includes information (or encrypted user information) included in the recognized NFC card, The identification information, etc. of the affiliated store terminal 200 is transmitted to the local currency operation server 300.

In addition, the local currency operation server 300 receives information (or encrypted user information) included in the NFC card transmitted from the affiliate store terminal 200, identification information of the affiliate store terminal 200, and the like.

In addition, the local currency operation server 300 decrypts the information (or encrypted user information) included in the received NFC card, and after user matching and verification, product purchase and/or service of the corresponding terminal 100 The payment function is performed using local currency corresponding to the amount of payment for use.

In addition, the local currency operation server 300 transmits a result of performing a payment function using a corresponding NFC card to the affiliated store terminal 200 and the terminal 100, respectively.

In this way, the user of the terminal 100 can perform a payment function by using the NFC reading function of the affiliated store terminal 200 provided in the store using an NFC card to which an NFC communication chip possessed by the user is applied. have.

In this case, the payment using the NFC card according to the present invention does not incur a case-by-case fee unlike an IC card to which a financial IC chip is applied.

In addition, when the payment is made using the NFC card, the local currency operating server 300 may approve the payment amount and add or subtract (or settle) the local currency holding amount (or points) of the user and the affiliated store. For this reason, at the affiliate store, only one transfer fee is incurred at the time of conversion to legal currency, regardless of the number of sales.

In this way, the local currency operation server 300 may perform a payment function through a QR code or a payment function through an NFC card according to the selection of the terminal 100.

In addition, as described above, 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, in order to perform a payment function according to the use of goods and/or services provided by the affiliated store terminal 200, the password according to the user input on the password input screen displayed on the terminal 100 In the case of matching the security password previously registered (or set) in connection, the affiliated store terminal 200 interlocks with the terminal 100 and the local currency operation server 300, and the area corresponding to the input payment amount The money is withdrawn from the account associated with the terminal 100, and the local currency corresponding to the withdrawn payment amount is deposited into the account associated with the affiliated store terminal 200.

In the embodiment of the present invention, it is described that the terminal 100 performs a payment function by performing a QR code recognition process related to a store, a payment amount input process, and a password authentication process, but is not limited thereto, and the affiliate store The terminal 200 provides the terminal 100 with a QR code including merchant information related to the store provided by the merchant terminal 200 and a payment amount to be paid by the terminal 100, and the terminal 100 ) May be configured to complete the payment function immediately after performing password authentication through the QR code scan.

That is, in the case of performing a payment function in the terminal 100 according to the use of goods and/or services provided by the store corresponding to the corresponding affiliated store terminal 200, the affiliated store terminal 200 provides affiliate store information related to the store. And a QR code (or a QR code for real-time payment) including a payment amount according to a seller input of the affiliated store terminal 200 is generated, and the generated QR code is displayed.

In addition, when the QR code displayed on the affiliated store terminal 200 is scanned (or recognized) in the terminal 100, the affiliated store terminal 200 is connected to the terminal 100 and the local currency operation server 300 It is possible to perform a payment function using local currency for the amount corresponding to the goods and/or services provided by the affiliated store in conjunction.

In an embodiment of the present invention, it is described that the terminal 100 scans the QR code associated with the affiliated store terminal 200 to perform a payment function using local currency according to product purchase and/or service use. The merchant terminal 200 scans a QR code including information on the user of the terminal 100 displayed on the terminal 100 to purchase a product of the user of the terminal 100 and/ Alternatively, it is possible to perform a payment function using local currency according to the service use.

For example, in consideration of the fact that the elderly user is inexperienced in using the various functions of the terminal 100, the affiliated store terminal 200 provides a QR code related to the user of the terminal 100 displayed on the terminal 100. Scan, input the local currency usage according to the user's product purchase and/or service use of the terminal 100, and interlock with the local currency operation server 300, the terminal ( A verification (or authentication) process (eg, password input, biometric information recognition, etc.) is performed according to the user input of 100). Thereafter, the local currency operation server 300 interlocks with the terminal 100 and the affiliated store terminal 200 to deduct the local currency held by the terminal 100 and transfer the deducted local currency to the affiliated store terminal ( 200).

In addition, the affiliated store terminal 200 interlocks with the local currency operation server 300 and the financial institution server 400, on a preset date (eg, including 3 days, 5 days, weekly, etc.) A bank related to the seller of the affiliated store terminal 200 by performing a function of converting the local currency corresponding to a preset ratio among the local currency provided according to the provision of goods and/or services from the affiliated store terminal 200 to legal currency Receive fiat currency corresponding to the local currency requested for the currency exchange to the account.

That is, the affiliated store terminal 200 receives a local currency corresponding to a preset ratio (for example, 50%) among local currencies provided as compensation for the goods or services provided by the affiliated store terminal 200 on a predetermined date. In order to request a currency exchange in fiat currency, the amount of local currency requested for currency exchange, account information of the affiliated store terminal 200, and information on request for fiat currency exchange are transmitted to the local currency operation server 300.

In addition, the affiliated store terminal 200 interlocks with the local currency operation server 300 and the financial institution server 400 to respond to a user input of the affiliated store terminal 200 according to a currency exchange request from the affiliated store terminal 200. It is possible to receive the fiat currency corresponding to the currency exchange request local currency to a bank account related to the seller of the affiliated store terminal 200 by performing a function for exchange of local currency.

In addition, the affiliated store terminal 200 receives result information (including, for example, currency exchange failure information, currency exchange success information, etc.) according to the exchange request from the local currency operation server 300, and results according to the received exchange request. Display information.

In addition, a QR code provided in another store or a QR code displayed on another affiliated store terminal 200 is scanned through the QR code scanning screen displayed according to the payment menu selection from the app execution result screen of the affiliated store terminal 200. In this case, the affiliated store terminal 200 displays a payment amount input screen for receiving a payment amount according to product purchase and/or service use.

In addition, when a payment item displayed on one side of the corresponding payment amount input screen is selected after a payment amount is input according to a user input on the payment amount input screen displayed on the affiliated store terminal 200, the affiliated store terminal 200 Displays the password input screen for entering the password.

In addition, when the password according to the user input on the password input screen displayed on the affiliated store terminal 200 matches the security password previously registered (or set) with respect to the affiliated store terminal 200, the affiliated store terminal 200 Is interlocked with the other affiliated store terminal 200 and the local currency operation server 300, and processed the local currency corresponding to the input payment amount from the account associated with the affiliated store terminal 200, and processed the withdrawal. The local currency corresponding to the payment amount is deposited into an account related to the corresponding other affiliated store terminal 200.

In this way, the affiliated store terminal 200 receives local currency (or payment) according to the provision of products and/or services provided through the store related to the affiliated store terminal 200, or purchases a product using local currency. And/or it is possible to perform a payment function according to the use of the service.

In addition, in this way, 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 may be set to receive additional incentives by inputting a preset pin code when charging in the terminal 100 for viral marketing strategy.

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 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 law on group establishment, 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) , 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.

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, 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 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 analyzes the use of local currency in the community of the collected affiliated store terminal 200, and the monthly reuse amount (for example, accommodation, food, clothing, health, etc.) Including), monitoring the monthly reuse amount by the primary business type (e.g. wholesale business) affiliated store and secondary business type (eg retail business) franchise sector, and generating (or writing) a monthly franchise reuse amount monitoring report. Here, the Monthly Affiliate Reuse Amount Monitoring Report provides information on the monthly local currency exchange amount for each franchisee, and measures and measures the cause of the merchant with a low reuse amount in order to identify the cause and find a supplement when the franchisees' local currency exchange is low. To prepare, information on the reuse amount of local currency by affiliated business sector, and information on the use of local currency between wholesalers and retailers in order to review the exchange amount of local currency in the wholesale business (for example, review and take measures to prevent the concentration of local currency in the wholesale business). Includes.

In addition, the local currency operation server 300 statisticalizes and visualizes the average recycling rate and provides it to the plurality of affiliated store terminals 200.

Accordingly, through comparative analysis with other affiliated stores, it is possible to induce natural recycling of local currency between affiliated stores.

In addition, the local currency operation server 300 may perform big data analysis by policy allowance (or item), business type, affiliate store, user, and the like.

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 addition, when the password according to the user input on the password input screen displayed on the terminal 100 matches the security password previously registered (or set) in relation to the terminal 100, the local currency operation server 300 Is interlocked with the terminal 100 and the financial institution server 400, processes the withdrawal of the amount corresponding to the recharge amount from the corresponding linked bank account, and transfers the local currency corresponding to the amount of the withdrawn legal currency to the corresponding terminal. Deposit to the account of (100). Here, the account of the terminal 100 may be an account created when a member subscribes to a platform for a local currency service operated by the local currency operation server 300.

That is, the local currency operation server 300 is the password transmitted from the terminal 100, the charge amount, the linked bank account (or linked bank account information), the identification information of the terminal 100, the charge request information Etc.

In addition, the local currency operation server 300 checks (or determines) whether the security password (or password) registered in advance and the received password match in correspondence with the account related to the terminal 100.

When the verification result (or the determination result), the security password registered in advance in correspondence with the account related to the terminal 100 and the received password do not match, the local currency operation server 300 does not match the password. It transmits information indicating that the state is not in the terminal 100.

In addition, when the confirmation result (or the determination result), the security password registered in advance corresponding to the account associated with the terminal 100 and the received password match, the local currency operation server 300 is the corresponding terminal ( 100) account information, linked bank account information of the bank related to the terminal 100, the charge amount, account information (or bank account information) related to the local currency operation server 300, and withdrawal request information, etc. It transmits to the financial institution server 400 corresponding to the bank account.

In addition, the local currency operation server 300 may transfer the amount corresponding to the charge amount transmitted from the financial institution server 400 in response to the previously transmitted withdrawal request information to the account related to the local currency operation server 300. Receive information indicating that the deposit has been made.

In addition, the local currency operation server 300 adds the local currency corresponding to the charging amount and the local currency corresponding to the general incentive to which a preset ratio (for example, 10%) is applied to the charging amount, and the terminal ( 100) to the account.

In addition, the local currency operation server 300 interlocks with the block chain server 500 to encrypt the deposit information including the amount of charge charged in the terminal 100 using a preset encryption method, and the encrypted deposit Register the information on the blockchain. Here, the deposit information includes charging date and time information, account information of the terminal 100, the linked bank account, the charging amount, a local currency amount corresponding to the charging amount, and the corresponding charging of the financial institution server 400 Includes information on deposit and withdrawal transactions related to the case.

That is, the local currency operation server 300 interlocks with the blockchain server 500 to register a key value corresponding to the encrypted deposit information in the blockchain network as a transaction.

In addition, in the password input screen displayed on the terminal 100 to perform a payment function according to product purchase and/or service use in the terminal 100, a password according to the user input is previously associated with the terminal 100. When it matches the registered (or set) security password, the local currency operation server 300 interlocks with the terminal 100 and the local currency operation server 300, and the local currency corresponding to the input payment amount The withdrawal is processed from the account related to the terminal 100, and the local currency corresponding to the withdrawn payment amount is deposited to the account related to the affiliated store terminal 200.

That is, the local currency operation server 300 is a password transmitted from the terminal 100, identification of the terminal 100 in order to perform a payment function according to product purchase and/or service use in the terminal 100 Information, the payment amount, the affiliate store information, and the payment request information are received.

In addition, the local currency operation server 300 checks (or judges) whether the security password registered in advance and the received password correspond to the account related to the terminal 100.

When the verification result (or the determination result), the security password registered in advance in correspondence with the account related to the terminal 100 and the received password do not match, the local currency operation server 300 does not match the password. It transmits information indicating that the state is not in the terminal 100.

In addition, when the confirmation result (or the determination result), the security password registered in advance corresponding to the account related to the terminal 100 and the received password match, the local currency operation server 300 The local currency corresponding to the withdrawal is processed from the account related to the terminal 100, and the local currency corresponding to the withdrawn payment amount is deposited to the account related to the affiliated store terminal 200 corresponding to the affiliated store information. .

In addition, the local currency operation server 300 manages the amount of local currency used in the corresponding terminal 100.

In addition, when the terminal 100 performs a payment function using local currency, when the local currency balance is insufficient, the local currency operation server 300 interlocks with the terminal 100 and the financial institution server 400, Withdraw the amount corresponding to the local currency insufficient to perform the payment function from the bank account of the terminal 100, deposit the withdrawn shortfall amount into the account related to the local currency operation server 300, and respond to the shortfall amount Deposit the local currency to the account of the terminal 100. In addition, the local currency operation server 300 normally performs a payment function according to product purchase and/or service use in the terminal 100 using the additionally deposited local currency and the existing local currency.

In addition, the local currency operation server 300 interlocks with the block chain server 500 to encrypt a payment function execution result including a payment amount paid by the terminal 100 using a preset encryption method, and the The result of performing the encrypted payment function is registered in the blockchain. Here, the payment function execution result is the payment date and time information, account information of the terminal 100, a local currency amount corresponding to the payment amount, affiliate store information, and local currency related to the corresponding payment case of the local currency operation server 300 It includes information on deposit and withdrawal transaction details.

That is, the local currency operation server 300 interlocks with the blockchain server 500 to register a key value corresponding to the result of performing the encrypted payment function as a transaction in the blockchain network.

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.) A bank related to the seller of the affiliated store terminal 200 by performing a function of converting the local currency corresponding to a preset ratio among the local currency provided according to the provision of goods and/or services from the affiliated store terminal 200 to legal currency Deposit the legal currency corresponding to the local currency requested for the currency exchange to the account.

That is, the local currency operation server 300 receives the exchange request local currency amount, account information of the affiliate store terminal 200, legal currency exchange request information, etc. transmitted from the affiliate store terminal 200.

In addition, the local currency operation server 300 includes account information of the affiliated store terminal 200, bank account information related to the affiliated store terminal 200, the amount of local currency requested for exchange, and an account related to the local currency operating server 300 Information, fiat currency exchange request information, etc. are transmitted to the financial institution server 400 corresponding to the corresponding bank account information.

At this time, the local currency operation server 300, after receiving the fiat currency exchange request information from the affiliated store terminal 200, instead of transmitting related information to the financial institution server 400, the affiliated store terminal In the case of the date set in advance in (200), the rate is set in advance based on the local currency received as compensation for the goods or services provided by the affiliated store terminal 200 managed by the day of the week (or by period/case). In order to convert the corresponding local currency into legal currency, account information of the affiliated store terminal 200, bank account information related to the affiliated store terminal 200, the amount of local currency requested for exchange, and the local currency operating server 300 Account information, fiat currency exchange request information, etc. may be transmitted to the financial institution server 400 corresponding to the corresponding bank account information.

In addition, the local currency operation server 300 is in response to the previously transmitted legal currency exchange request information, etc., the amount corresponding to the currency exchange request local currency transmitted from the financial institution server 400 is related to the affiliated store terminal 200 Receives information indicating that it has been deposited into a bank account.

In addition, the local currency operation server 300 withdraws the local currency corresponding to the local currency requested for the exchange from the account of the affiliated store terminal 200, and transfers the withdrawn local currency to the account of the corresponding local currency operation server 300 Process the deposit with

In addition, the local currency operation server 300 interlocks with the block chain server 500 to transfer exchange information to fiat currency, including the amount requested for conversion to fiat currency from the affiliated store terminal 200 in the encryption method. It is encrypted, and the information on the exchange of the encrypted fiat currency is registered in the blockchain. Here, the currency exchange information for the fiat currency includes date and time information for exchange, information on the affiliated store, the amount of local currency requested for exchange, and the amount of legal currency for exchange.

That is, the local currency operation server 300 interlocks with the block chain server 500 to register a key value corresponding to the exchange information to the encrypted fiat currency in the blockchain network as a transaction.

In addition, the local currency operation server 300 interlocks with the affiliated store terminal 200 and the other affiliated store terminal 200, for goods and/or services provided by the other affiliated store terminal 200, the corresponding affiliated store terminal ( 200) to perform other payment functions according to the use of the product and/or service, the local currency corresponding to the input payment amount is withdrawn from the account related to the affiliated store terminal 200, and the withdrawal is processed. The local currency corresponding to the payment amount is deposited into an account related to the corresponding other affiliated store terminal 200.

In addition, the local currency operation server 300 interlocks with the blockchain server 500 to encrypt the result of performing other payment functions including the payment amount paid by the affiliated store terminal 200 using a preset encryption method, and , Registers the result of performing the other encrypted payment function in the blockchain. Here, the result of performing the other payment function is the payment date and time information, account information of the affiliated store terminal 200, a local currency amount corresponding to the payment amount, other affiliated store information related to the other affiliated store terminal 200, and the local currency operation It includes local currency deposit and withdrawal transaction details information related to the other payment by the server 300.

That is, the local currency operation server 300 interworks with the block chain server 500 to register a key value corresponding to the result of performing the other encrypted payment function as a transaction in the block chain network.

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 addition, when the terminal 100 wishes to perform the charging function, the financial institution server 400 interlocks with the terminal 100 and the local currency operation server 300, and The corresponding amount is withdrawn, and the local currency corresponding to the amount of the withdrawn legal currency is deposited into the account of the terminal 100.

That is, the financial institution server 400, for the charging function in the terminal 100, the account information of the terminal 100 transmitted from the local currency operation server 300, the bank related to the terminal 100 Receives linked bank account information, the charge amount, account information related to the local currency operation server 300, and the withdrawal request information.

In addition, the financial institution server 400 withdraws the amount corresponding to the charging amount from the linked bank account associated with the terminal 100, and transfers the withdrawal processed amount to the bank associated with the local currency operation server 300. Deposit to the account.

In addition, the financial institution server 400 transmits information (or bank deposit/withdrawal completion information) indicating that the amount corresponding to the charging amount has been deposited into an account related to the local money operation server 300 ( 300).

In addition, when the affiliated store terminal 200 wants to exchange local currency paid according to the provision of goods and/or services, the financial institution server 400 interlocks with the affiliated store terminal 200 and the local currency operation server. , Local currency corresponding to a preset ratio among local currencies provided according to the provision of goods and/or services from the affiliated store terminal 200 on a preset date (eg, including 3 days, 5 days, weekly, etc.) By performing a function of converting into fiat currency, the fiat currency corresponding to the local currency requested for the currency exchange is deposited into a bank account related to the seller of the affiliated store terminal 200.

That is, when the affiliated store terminal 200 wants to exchange the local currency paid according to the provision of goods and/or services, the financial institution server 400 is the corresponding affiliated store terminal transmitted from the local currency operation server 300 ( 200), bank account information related to the affiliated store terminal 200, local currency amount requested for exchange, account information related to the local currency operation server 300, and legal currency exchange request information.

In addition, the financial institution server 400 withdraws the legal currency corresponding to the local currency amount requested for the corresponding currency exchange from the bank account associated with the local currency operation server 300, and transfers the withdrawal processed legal currency to the affiliated store terminal ( 200) and process the deposit to the bank account corresponding to the bank account information.

In addition, the financial institution server 400 transmits information indicating that the amount corresponding to the local currency requested for the currency exchange has been deposited into the bank account associated with the affiliated store terminal 200 to the local currency operation server 300.

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 addition, the blockchain server 500 interlocks with the local currency operation server 300 to encrypt the deposit information including the amount of charge charged in the terminal 100 by a preset encryption method, and the encrypted Deposit information is registered on the blockchain. Here, the deposit information includes charging date and time information, account information of the terminal 100, the linked bank account, the charging amount, a local currency amount corresponding to the charging amount, and the corresponding charging of the financial institution server 400 Includes information on deposit and withdrawal transactions related to the case.

That is, the local currency operation server 300 interlocks with the blockchain server 500 to register a key value corresponding to the encrypted deposit information as a transaction in the blockchain network.

In addition, the blockchain server 500 interlocks with the local currency operation server 300 to encrypt a payment function execution result including a payment amount paid by the terminal 100 in a preset encryption method, and the The result of performing the encrypted payment function is registered in the blockchain. Here, the payment function execution result is the payment date and time information, account information of the terminal 100, a local currency amount corresponding to the payment amount, affiliate store information, and local currency related to the corresponding payment case of the local currency operation server 300 It includes information on deposit and withdrawal transaction details.

That is, the local currency operation server 300 interlocks with the blockchain server 500 to register a key value corresponding to the result of performing the encrypted payment function as a transaction in the blockchain network.

In addition, the block chain server 500 interlocks with the local currency operation server 300 to transfer exchange information to fiat currency including the amount requested for conversion to fiat currency from the affiliated store terminal 200 in the encryption method. It is encrypted, and the information on the exchange of the encrypted fiat currency is registered in the blockchain. Here, the currency exchange information for the fiat currency includes date and time information for exchange, information on the affiliated store, the amount of local currency requested for exchange, and the amount of legal currency for exchange.

That is, the local currency operation server 300 interlocks with the block chain server 500 to register a key value corresponding to the exchange information to the encrypted fiat currency in the blockchain network as a transaction.

In addition, the blockchain server 500 interlocks with the local currency operation server 300 to encrypt the result of performing other payment functions including the payment amount paid by the affiliated store terminal 200 using a preset encryption method, and , Registers the result of performing the other encrypted payment function in the blockchain. Here, the result of performing the other payment function is the payment date and time information, account information of the affiliated store terminal 200, a local currency amount corresponding to the payment amount, other affiliated store information related to the other affiliated store terminal 200, and the local currency operation It includes local currency deposit and withdrawal transaction details information related to the other payment by the server 300.

That is, the local currency operation server 300 interworks with the block chain server 500 to register a key value corresponding to the result of performing the other encrypted payment function as a transaction in the block chain network.

In this way, it is possible to perform a payment function according to product purchase and/or service use using local currency through simple payment using a QR code.

In addition, in this way, at least a part of the local currency provided by the affiliated store terminal according to the local currency payment of the terminal may be used for product purchase and/or service use at other stores for payment.

In addition, as described above, a local circulation fund inflow and circulation structure is formed through the mobile local currency distribution system, 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 for providing local currency according to the present invention will be described in detail with reference to FIGS. 1 to 9.

2 to 3 are flowcharts illustrating a method of providing local currency according to the first 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 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 law on group establishment, 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) , 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. 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) , 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 a product or service 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 for each small community 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).

4 is a flowchart illustrating a method of providing local currency according to a second embodiment of the present invention.

First, the terminal 100 executes a dedicated app previously installed in the corresponding terminal 100 and displays an app execution result screen according to the execution of the dedicated app. At this time, the app execution result screen is a detailed menu for displaying a sub-menu, our village index menu for indicating the ranking according to the local currency usage of a small community corresponding to the user's address of the terminal 100, and the local currency held. Holding status menu (including balance, recharge amount, incentives, etc.) to display details of the user, recharge menu to recharge local currency using the user's linked bank account, payment using local currency A payment menu to perform a function, a recent usage history menu to display the recent local currency usage history, a home menu to return to the initial screen, and an affiliate store to search nearby affiliate stores based on real-time location information of the terminal 100 It includes an inquiry menu, a good store menu to provide information on excellent affiliates, and a usage history menu to display the usage history of local currency by period or by use case. Here, the terminal 100 is a member of the server 300 that provides the dedicated app, and the phone number, ID and password related to the user according to the membership registration, a barcode or QR code including the ID, and an email By using the address and account information corresponding to the social network service, the login procedure is performed when the dedicated app is executed, and one or more functions of the dedicated app (including, for example, affiliated store inquiry function, charging function, payment function, etc.) are performed. can do.

In addition, when a preset charging menu is selected on the app execution result screen displayed on the terminal 100, the terminal 100 displays a charging screen corresponding to the selected charging menu. Here, the charging screen includes a charging amount input item for inputting a charging amount, an account selection item for selecting a linked bank account, a charging menu for performing a charging function, and the like.

As an example, the 11th terminal 100 executes the Goodtrade Pay app pre-installed in the 11th terminal, and displays the Goodtrade Pay app execution result screen 510 as shown in FIG. 5.

In addition, when the recharge menu 511 is selected from the Goodtrapay app execution result screen 510 according to the user selection of the 11th terminal, as shown in FIG. 6, the 11th terminal is the corresponding 11th terminal. A charging screen 600 for charging local currency operated by Buyeo-gun is displayed in the related bank account (S410).

Thereafter, after the charging amount and the linked bank account are selected according to the user selection (or user input/touch/control) on the charging screen displayed on the terminal 100, a preset charging menu displayed on one side of the charging screen is selected. If so, the terminal 100 displays a password input screen for inputting a password.

In addition, when the password according to the user input on the password input screen displayed on the terminal 100 matches the security password previously registered (or set) in relation to the terminal 100, the terminal 100 is In connection with the operation server 300 and the financial institution server 400, the terminal 100 processes withdrawal of the amount corresponding to the recharge amount from the linked bank account, and transfers the local currency corresponding to the amount of the withdrawn legal currency. ) To the account. Here, the account of the terminal 100 may be an account created when a member subscribes to a platform for a local currency service operated by the local currency operation server 300.

That is, the terminal 100 is the password received according to the user input on the password input screen displayed on the terminal 100, the charge amount, the linked bank account (or linked bank account information), the terminal 100 Identification information (or account information of the terminal 100), charging request information, etc. are transmitted to the local currency operating server 300. Here, the identification information of the terminal 100 includes MDN, mobile IP, mobile MAC, Sim (subscriber identification module) card unique information, serial number, and the like.

In addition, the local currency operation server 300 is the password transmitted from the terminal 100, the charge amount, the linked bank account (or linked bank account information), identification information of the terminal 100, the charge request information Etc.

In addition, the local currency operation server 300 checks (or determines) whether the security password (or password) registered in advance and the received password match in correspondence with the account related to the terminal 100.

When the confirmation result (or the determination result), the security password registered in advance corresponding to the account related to the terminal 100 and the received password match, the local money operation server 300 is the corresponding terminal 100 The account information of, the linked bank account information of the bank related to the terminal 100, the charge amount, the account information (or bank account information) related to the local currency operation server 300, the withdrawal request information, etc. to the corresponding linked bank account It transmits to the financial institution server 400 corresponding to.

In addition, the financial institution server 400 is the account information of the terminal 100 transmitted from the local currency operation server 300, the linked bank account information of the bank related to the terminal 100, the charge amount, the area Receives account information related to the money operation server 300 and the withdrawal request information.

In addition, the financial institution server 400 withdraws the amount corresponding to the charging amount from the linked bank account associated with the terminal 100, and transfers the withdrawal processed amount to the bank associated with the local currency operation server 300. Deposit to the account.

In addition, the financial institution server 400 transmits information (or bank deposit/withdrawal completion information) indicating that the amount corresponding to the charging amount has been deposited into an account related to the local money operation server 300 ( 300).

In addition, the local currency operation server 300 may transfer the amount corresponding to the charge amount transmitted from the financial institution server 400 in response to the previously transmitted withdrawal request information to the account related to the local currency operation server 300. Receive information indicating that the deposit has been made.

In addition, the local currency operation server 300 adds the local currency corresponding to the charging amount and the local currency corresponding to the general incentive to which a preset ratio (for example, 10%) is applied to the charging amount, and the terminal ( 100) to the account.

In this way, the terminal 100 can conveniently convert the recharge amount desired by the user into local currency.

In addition, the local currency operation server 300 interlocks with the block chain server 500 to encrypt the deposit information including the amount of charge charged in the terminal 100 using a preset encryption method, and the encrypted deposit Register the information on the blockchain. Here, the deposit information includes charging date and time information, account information of the terminal 100, the linked bank account, the charging amount, a local currency amount corresponding to the charging amount, and the corresponding charging of the financial institution server 400 Includes information on deposit and withdrawal transactions related to the case.

That is, the local currency operation server 300 interlocks with the blockchain server 500 to register a key value corresponding to the encrypted deposit information in the blockchain network as a transaction.

As an example, an 11th charge amount (for example, 10,000 won) is received on the charging screen 600 according to a user input, and an 11th linked bank account related to the user of the corresponding 11th terminal (for example, ABC Bank: account information 012-345-678-901) is selected, and when the charging menu 610 displayed on one side of the charging screen 600 is selected, as shown in FIG. 7, the 11th terminal performs a charging function. For this, a password input screen 700 for receiving a password from a user is displayed.

In addition, when an eleventh password (for example, 3456) is received according to a user input through the password input screen 700, the eleventh terminal interlocks with the local currency operation server 300, It is checked whether the security password registered in advance and the received eleventh password match corresponding to the account related to

As a result of the confirmation, when the security password registered in advance in correspondence with the account related to the eleventh terminal and the received eleventh password match, the local currency operation server 300 determines the account information of the eleventh terminal, 11 The 11th linked bank account information related to the terminal (for example, ABC Bank: account information 012-345-678-901), the 11th charge amount (for example, 10,000 won), related to the local currency operation server 300 The account information, the 11th withdrawal request information, and the like are transmitted to the financial institution server 400 of ABC Bank corresponding to the linked account.

In addition, the financial institution server of the ABC Bank includes account information of the 11th terminal transmitted from the local currency operation server 300, and the 11th linked bank account information related to the 11th terminal (for example, ABC Bank: account information. 012-345-678-901), the 11th charge amount (for example, 10,000 won), account information related to the local currency operation server 300, and the 11th withdrawal request information.

In addition, the financial institution server of the ABC Bank withdraws the amount corresponding to the 11th charge amount (for example, 10,000 won) from the 11th linked bank account associated with the 11th terminal, and processes the withdrawal processed amount (e.g. For example, 10,000 won) is deposited into an account related to the local currency operating server 300.

In addition, the financial institution server of the ABC Bank transmits information indicating that the eleventh recharge amount has been normally processed for withdrawal and deposit to the local currency operation server 300.

In addition, the local currency operation server 300 is information indicating that the eleventh recharge amount transmitted from the financial institution server of the ABC Bank in response to the previously transmitted eleventh withdrawal request information has been normally processed with the corresponding withdrawal and deposit. Receive.

In addition, the local currency operation server 300 includes a local currency (for example, 10,000 won) corresponding to the 11th charge amount (for example, 10,000 won), and a preset ratio (for example, the 11th charge amount). For example, local currency (for example, KRW 11,000), which is the sum of local currency (for example, 10,000 won * 10% = 1,000 won) corresponding to the general incentive applied (10%), is deposited into the account of the 11th terminal. .

In addition, the local currency operation server 300 interlocks with the block chain server 500 to preload the 11th deposit information including the 11th charge amount (for example, 10,000 won) charged by the 11th terminal. It encrypts with the set Advanced Encryption Standard (AES) encryption method, and registers a key value corresponding to the encrypted 11th deposit information as a transaction in the blockchain network (S420).

In addition, when a preset payment menu is selected on the app execution result screen displayed on the terminal 100, the terminal 100 displays a QR code scan screen corresponding to the selected payment menu. Here, the QR code scan screen includes a QR code scan area item for guiding an area where the QR code to be scanned is located for scanning the QR code, a guide item for displaying guide information, and the like.

For example, when the payment menu 512 is selected from the Goodtrade Pay app execution result screen 510 according to the user's selection of the 11th terminal, as shown in FIG. 8, the 11th terminal is placed in a store. A QR code scan screen 800 for scanning the QR code or the QR code displayed on the affiliated store terminal 200 is displayed (S430).

Thereafter, when the QR code placed in the store or the QR code displayed on the affiliated store terminal 200 is scanned (or recognized) through the QR code scanning screen displayed on the terminal 100, the terminal 100 purchases a product. And/or displaying a payment amount input screen for inputting a payment amount according to service use. Here, the payment amount input screen includes a payment amount input item for inputting a payment amount, a payment item for performing a payment function with the input payment amount, and the like. Here, the QR code is a unique identification code (or unique identification number/information) related to the store (or affiliate store) where the QR code is placed (or equipped), the store name, store location information, store contact information, and It includes affiliate store information including unique identification information of the affiliate store terminal 200 and account information of the affiliate store terminal 200.

As an example, when the 101st QR code disposed at Yeopgi Tteokbokki Buyeo point is scanned through the QR code scan screen 800 displayed on the 11th terminal, as shown in FIG. 9, the 11th terminal A payment amount input screen 900 is displayed to receive the amount used in the tteokbokki store (S440).

Thereafter, when a payment item displayed on one side of the corresponding payment amount input screen is selected after a payment amount is input according to a user input in the payment amount input screen displayed on the terminal 100, the terminal 100 enters a password. Displays the password input screen for input.

In addition, when the password according to the user input on the password input screen displayed on the terminal 100 matches the security password previously registered (or set) in relation to the terminal 100, the terminal 100 In connection with the terminal 200 and the local currency operation server 300, the local currency corresponding to the input payment amount is withdrawn from the account associated with the terminal 100, and corresponding to the withdrawn payment amount The local currency is deposited into an account related to the affiliated store terminal 200.

That is, the terminal 100 is the password received according to the user input on the password input screen displayed on the terminal 100, identification information of the terminal 100 (or account information of the terminal 100), and the payment The amount, merchant information according to the QR code scan, payment request information, etc. are transmitted to the local currency operation server 300.

In addition, the local currency operation server 300 receives the password transmitted from the terminal 100, identification information of the terminal 100, the payment amount, the affiliate store information, the payment request information, and the like.

In addition, the local currency operation server 300 checks (or judges) whether the security password registered in advance and the received password correspond to the account related to the terminal 100.

When the confirmation result (or the determination result), the security password registered in advance corresponding to the account related to the terminal 100 and the received password match, the local currency operation server 300 corresponds to the payment amount The local currency is withdrawn from the account associated with the terminal 100, and the local currency corresponding to the withdrawn payment amount is deposited to the account associated with the affiliated store terminal 200 corresponding to the affiliated store information.

In addition, the local currency operation server 300 manages the amount of local currency used in the corresponding terminal 100.

In this way, the terminal 100 may conveniently perform a payment function using a local currency for a payment amount desired by the user.

In addition, when the terminal 100 performs a payment function using local currency, when the local currency balance is insufficient, the terminal 100 interlocks with the local currency operation server 300 and the financial institution server 400, Withdraw the amount corresponding to the local currency insufficient to perform the payment function from the bank account of the terminal 100, deposit the withdrawn shortfall amount into the account related to the local currency operation server 300, and respond to the shortfall amount Deposit the local currency to the account of the terminal 100. In addition, the terminal 100 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 an embodiment of the present invention, it is described that the terminal 100 performs a payment function by performing a QR code recognition process related to a store, a payment amount input process, and a password authentication process, but is not limited thereto. (100) omits the user's payment amount input process by scanning the QR code including the merchant information related to the store provided by the merchant terminal 200 and the payment amount to be paid by the terminal 100, It can also be configured to complete the payment function immediately after performing password authentication.

That is, in the case of performing a payment function in the terminal 100 according to the use of goods and/or services provided by the store corresponding to the corresponding affiliated store terminal 200, the affiliated store terminal 200 provides affiliate store information related to the store. And a QR code (or a QR code for real-time payment) including a payment amount according to a seller input of the affiliated store terminal 200 is generated, and the generated QR code is displayed. At this time, the app execution result screen on the affiliated store terminal 200 includes a detailed menu, our village index menu, a holding status menu (eg, balance, sales amount, recharge amount, incentive, etc.), recharge menu, payment menu , QR code menu for merchants, recent usage history menu, home menu, merchant inquiry menu, good store menu, usage history menu, sales management menu for managing local currency payment details or currency exchange details related to the store, etc. .

In addition, when the QR code displayed on the affiliated store terminal 200 is scanned through the QR code scan screen displayed on the terminal 100, the terminal 100 skips the payment amount input process and receives a password. For this purpose, the password input screen is displayed, and a payment function is performed by performing an authentication process between a password according to a user input and a previously registered security password.

In addition, the local currency operation server 300 interlocks with the block chain server 500 to encrypt a payment function execution result including a payment amount paid by the terminal 100 using a preset encryption method, and the The result of performing the encrypted payment function is registered in the blockchain. Here, the payment function execution result is the payment date and time information, account information of the terminal 100, a local currency amount corresponding to the payment amount, affiliate store information, and local currency related to the corresponding payment case of the local currency operation server 300 It includes information on deposit and withdrawal transaction details.

That is, the local currency operation server 300 interlocks with the blockchain server 500 to register a key value corresponding to the result of performing the encrypted payment function as a transaction in the blockchain network.

As an example, after the 11th payment amount (for example, 10,000 won) is input according to the user input in the payment amount input screen 900 displayed on the eleventh terminal, it is displayed on one side of the corresponding payment amount input screen 900 When the payment item 910 is selected, the eleventh terminal displays a password input screen for receiving a password from a user to perform a payment function.

In addition, when an eleventh password (for example, 3456) is received according to a user input through the password input screen 300, the eleventh terminal interlocks with the local currency operation server 300, It is checked whether the security password registered in advance and the received eleventh password match corresponding to the account related to

As a result of the confirmation, when the security password registered in advance and the received eleventh password in correspondence with the account related to the eleventh terminal match, the local currency operation server 300 Withdraw the local currency corresponding to the payment amount (for example, 10,000 won), and deposit the withdrawn local currency (for example, 10,000 won) to the account of the 21st affiliated store terminal 200 corresponding to the Yeopgi Tteokbokki Grant store do.

In addition, the local currency operation server 300 interlocks with the blockchain server 500, and results of performing the 11th payment function including the 11th payment amount (for example, 10,000 won) paid by the 11th terminal Is encrypted using the AES encryption method, and a key value corresponding to the result of performing the encrypted 11th payment function is registered as a transaction in the blockchain network (S450).

Thereafter, the affiliated store terminal 200 interlocks with the local currency operation server 300 and the financial institution server 400, on a preset date (eg, including 3 days, 5 days, weekly, etc.) A bank related to the seller of the affiliated store terminal 200 by performing a function of converting the local currency corresponding to a preset ratio among the local currency provided according to the provision of goods and/or services from the affiliated store terminal 200 to legal currency Receive fiat currency corresponding to the local currency requested for the currency exchange to the account.

That is, the affiliated store terminal 200 receives a local currency corresponding to a preset ratio (for example, 50%) among local currencies provided as compensation for the goods or services provided by the affiliated store terminal 200 on a predetermined date. In order to request a currency exchange in fiat currency, the amount of local currency requested for currency exchange, account information of the affiliated store terminal 200, and information on request for fiat currency exchange are transmitted to the local currency operation server 300.

In addition, the local currency operation server 300 receives the currency exchange request local currency amount, account information of the affiliate store terminal 200, legal currency exchange request information, etc. transmitted from the affiliate store terminal 200.

In addition, the local currency operation server 300 includes account information of the affiliated store terminal 200, bank account information related to the affiliated store terminal 200, the amount of local currency requested for exchange, and an account related to the local currency operating server 300 Information, fiat currency exchange request information, etc. are transmitted to the financial institution server 400 corresponding to the corresponding bank account information.

In addition, the financial institution server 400 includes account information of the affiliated store terminal 200 transmitted from the local currency operation server 300, bank account information related to the affiliated store terminal 200, the amount of local currency requested for exchange, and the Receives account information, fiat currency exchange request information, etc. related to the local currency operation server 300.

In addition, the financial institution server 400 withdraws the legal currency corresponding to the local currency amount requested for the corresponding currency exchange from the bank account associated with the local currency operation server 300, and transfers the withdrawal processed legal currency to the affiliated store terminal ( 200) and process the deposit to the bank account corresponding to the bank account information.

In addition, the financial institution server 400 transmits information indicating that the amount corresponding to the local currency requested for the currency exchange has been deposited into the bank account associated with the affiliated store terminal 200 to the local currency operation server 300.

In addition, the local currency operation server 300 is in response to the previously transmitted legal currency exchange request information, etc., the amount corresponding to the currency exchange request local currency transmitted from the financial institution server 400 is related to the affiliated store terminal 200 Receives information indicating that it has been deposited into a bank account.

In addition, the local currency operation server 300 withdraws the local currency corresponding to the local currency requested for the exchange from the account of the affiliated store terminal 200, and transfers the withdrawn local currency to the account of the corresponding local currency operation server 300 Process the deposit with

In addition, the local currency operation server 300 interlocks with the block chain server 500 to transfer exchange information to fiat currency, including the amount requested for conversion to fiat currency from the affiliated store terminal 200 in the encryption method. It is encrypted, and the information on the exchange of the encrypted fiat currency is registered in the blockchain. Here, the currency exchange information for the fiat currency includes date and time information for exchange, information on the affiliated store, the amount of local currency requested for exchange, and the amount of legal currency for exchange.

That is, the local currency operation server 300 interlocks with the block chain server 500 to register a key value corresponding to the exchange information to the encrypted fiat currency in the blockchain network as a transaction.

As an example, the 21st affiliated store terminal is an area corresponding to a preset ratio (for example, 30%) of the local currency of 2 million won provided as compensation for a product or service provided by the 21st affiliated store terminal on a preset date. In order to request the exchange of currency (e.g. 600,000 won) into legal currency, the 11th exchange request local currency amount (e.g. 600,000 won), account information of the 21st affiliated store terminal, 11th legal currency exchange request information, etc. It transmits to the local currency operation server 300.

In addition, the local currency operation server 300 includes the 11th currency exchange request local currency amount (for example, 600,000 won) transmitted from the 21st affiliated store terminal, account information of the 21st affiliated store terminal, 11th legal currency exchange request information, etc. Receive.

In addition, the local currency operation server 300 includes account information of the 21st affiliated store terminal, bank account information related to the 21st affiliated store terminal (for example, ABC Bank: account information 012-345-987-654), 11th currency exchange The amount of local currency requested (e.g. 600,000 won), account information related to the local currency operation server 300, and information regarding the 11th fiat currency exchange request are provided by ABC Bank corresponding to the bank account related to the 21st affiliated store terminal. It transmits to the institution server 400.

In addition, the financial institution server of the ABC Bank includes account information of the 21st affiliated store terminal transmitted from the local currency operation server 300, and bank account information related to the 21st affiliated store terminal (for example, ABC Bank: account information 012- 345-987-654), the 11th currency exchange request local currency amount (for example, 600,000 won), account information related to the local currency operation server 300, and the 11th legal currency exchange request information.

In addition, the financial institution server of the ABC Bank transfers an amount corresponding to the legal currency (for example, 600,000 won in cash) corresponding to the 11th currency exchange request local currency amount (for example, 600,000 won) to the local currency operation server 300 ), the withdrawal is processed from the related bank account, and the withdrawn amount (for example, 600,000 won) is transferred to the bank account related to the 21st affiliated store terminal (for example, ABC Bank: account information 012-345-987-654). Deposit processing.

In addition, the financial institution server of the ABC Bank transmits information indicating that the 11th currency exchange request local currency amount (for example, 600,000 won) has been normally processed with the corresponding withdrawal and deposit to the local currency operation server 300. .

In addition, the local currency operation server 300 is the 11th exchange request local currency amount (for example, 600,000 won) transmitted from the financial institution server 400 in response to the previously transmitted 11th legal currency exchange request information Receives information indicating that the withdrawal and deposit are processed normally.

In addition, the local currency operation server 300 withdraws the 11th exchange request local currency amount (for example, 600,000 won) from the account of the 21st affiliated store terminal.

In addition, the local currency operation server 300 interlocks with the block chain server 500 to convert the amount of local currency exchanged at the 21st affiliated store terminal (for example, 600,000 won) into the 11th legal currency. Exchange information is encrypted using the AES encryption method, and a key value corresponding to the encrypted exchange information to the 11th fiat currency is registered as a transaction in the blockchain network (S460).

Thereafter, a QR code provided in another store or a QR code displayed on another affiliated store terminal 200 is scanned through the QR code scanning screen displayed according to the payment menu selection from the app execution result screen of the affiliated store terminal 200. In this case, the affiliated store terminal 200 displays a payment amount input screen for receiving a payment amount according to product purchase and/or service use.

In addition, when a payment item displayed on one side of the corresponding payment amount input screen is selected after a payment amount is input according to a user input on the payment amount input screen displayed on the affiliated store terminal 200, the affiliated store terminal 200 Displays the password input screen for entering the password.

In addition, when the password according to the user input on the password input screen displayed on the affiliated store terminal 200 matches the security password previously registered (or set) with respect to the affiliated store terminal 200, the affiliated store terminal 200 Is interlocked with the other affiliated store terminal 200 and the local currency operation server 300, and processed the local currency corresponding to the input payment amount from the account associated with the affiliated store terminal 200, and processed the withdrawal. The local currency corresponding to the payment amount is deposited into an account related to the corresponding other affiliated store terminal 200.

In addition, the local currency operation server 300 interlocks with the blockchain server 500 to encrypt the result of performing other payment functions including the payment amount paid by the affiliated store terminal 200 using a preset encryption method, and , Registers the result of performing the other encrypted payment function in the blockchain. Here, the result of performing the other payment function is the payment date and time information, account information of the affiliated store terminal 200, a local currency amount corresponding to the payment amount, other affiliated store information related to the other affiliated store terminal 200, and the local currency operation It includes local currency deposit and withdrawal transaction details information related to the other payment by the server 300.

That is, the local currency operation server 300 interworks with the block chain server 500 to register a key value corresponding to the result of performing the other encrypted payment function as a transaction in the block chain network.

For example, the 22nd affiliated store terminal 200 provided in Happy Mart includes information on the 22nd affiliated store related to the 22nd affiliated store terminal and the 12th payment amount (for example, 35,000 won) according to the user's product purchase of the 21st affiliated store terminal. ), and displays the generated 102nd QR code.

In addition, when the 102nd QR code displayed on the 22nd affiliated store terminal related to the Happy Mart is scanned through the QR code scan screen displayed on the 21st affiliated store terminal, the 21st affiliated store terminal from the user to perform a payment function Displays the password input screen for entering the password.

In addition, when a 21st password (for example, 7951) is received according to a user input through the password input screen, the 21st affiliated store terminal interlocks with the local currency operation server 300, and the 21st affiliated store terminal It is checked whether the security password registered in advance and the received twenty-first password match corresponding to the related account.

As a result of the confirmation, when the security password registered in advance in correspondence with the account related to the 21st affiliated store terminal and the received 21st password match, the local currency operation server 300 from the account of the 21st affiliated store terminal A local currency corresponding to the 12th payment amount (eg 35,000 won) is withdrawn, and the withdrawn local currency (eg 35,000 won) is deposited into the account of the 22nd affiliated store terminal.

In addition, the local currency operation server 300 performs a 12th payment function including the 12th payment amount (for example, 35,000 won) paid at the 21st affiliated store terminal by interworking with the blockchain server 500 The result is encrypted using the AES encryption method, and a key value corresponding to the result of performing the encrypted twelfth payment function is registered as a transaction in the blockchain network (S470).

As described above, the embodiment of the present invention performs a payment function according to product purchase and/or service use using local currency through simple payment using a QR code, thereby activating the local economy according to the use of local currency. You can induce.

In addition, as described above, the embodiment of the present invention uses at least a portion of the local currency provided by the affiliated store terminal according to the local currency payment of the terminal to be recycled for product purchase and/or service use at other stores. Thus, circulation added value can be improved.

In addition, 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, and determines a policy for local currency activation, It can prevent the outflow of financial resources outside the country, 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 pertains. 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)

When a preset payment menu is selected on the app execution result screen displayed on the terminal, the QR code scan screen corresponding to the selected payment menu is displayed, and the QR code placed in the store through the QR code scan screen displayed on the terminal When the code or QR code displayed on the affiliated store terminal is scanned, a payment amount input screen is displayed to receive a payment amount for product purchase and service use, and a payment amount according to user input on the payment amount input screen displayed on the terminal The terminal for displaying a password input screen for receiving a password when a payment item displayed on one side of the payment amount input screen is selected after the input;
The affiliated store terminal providing goods and services; And
When the password according to the user input on the password input screen displayed on the terminal matches the security password previously registered in relation to the terminal, the local currency held in the account of the terminal is interlocked with the terminal and the affiliated store terminal. Using a local currency operating server that performs a payment function according to the payment amount,
The affiliated store terminal,
By interlocking with the local currency operation server and financial institution server, it performs a function of converting the local currency corresponding to a preset ratio among the local currency provided according to the provision of products and services from the affiliated store terminal to legal currency on a preset date. , Legal currency corresponding to the local currency requested for exchange is received to the bank account associated with the seller of the affiliated store terminal, and the local currency of the local currency when exchanging the local currency provided in accordance with the provision of goods and services from the affiliated store terminal to the legal currency If the exchange rate to the currency is less than the preset standard rate, the fee is exempted, and if the exchange rate exceeds the standard rate, a preset fee is applied,
In order to increase circulating added value by recycling for payment at other stores by using at least some of the local currency provided according to the local currency payment of the terminal in connection with the other affiliated store terminal and the local currency operation server, the affiliated store terminal By reusing the local currency provided by performing the payment function with the terminal to perform other payment functions according to the use of goods and services provided by the other affiliated store terminals,
The local currency operation server,
Collects the local currency usage history of the terminal and the local currency usage history that reuses the local currency provided by the affiliated store terminal by performing a payment function with the terminal, and the collected terminal and affiliated store terminal when selecting a new business in the local community Analyzes the history of local currency usage in the community and gives additional points or prioritizes when selecting a new project in the above community,
By analyzing the usage history of local currency in the community of the collected affiliated store terminals, monitoring the monthly reuse amount for each affiliated business sector, monitoring the monthly reuse amount for each of the primary and secondary business affiliated stores, and monitoring the monthly affiliated store reuse amount Generate a report, statisticalize and visualize the average recycling rate, and provide it to the affiliated store terminal,
An affiliate store that considers one or more local communities is selected based on the total amount of local currency reuse per affiliate store terminal accumulated over a certain period of time, and the stores related to the selected affiliate store are exposed first when inquiring the affiliate store, or when conducting a commercial area activation project within the marketing area Local currency provision system, characterized in that to support. The method of claim 1,
The QR code,
Includes affiliate store information including at least one of a unique identification code related to the store where the QR code is arranged, store name, store location information, store contact information, unique identification information of the affiliate store terminal related to the store, and account information of the affiliate store terminal A system for providing local currency, characterized in that. delete Displaying, by the terminal, a QR code scan screen corresponding to the selected payment menu when a preset payment menu is selected on the app execution result screen displayed on the terminal;
When the QR code placed in the store or the QR code displayed on the affiliated store terminal is scanned through the QR code scanning screen displayed on the terminal, the payment amount for receiving the payment amount according to product purchase and service use by the terminal Displaying an input screen;
When a payment item displayed on one side of the payment amount input screen is selected after the payment amount is input on the payment amount input screen displayed on the terminal, a password input screen for receiving a password by the terminal Displaying;
When the password according to the user input on the password input screen displayed on the terminal matches the security password previously registered in relation to the terminal, the terminal interlocks with the affiliated store terminal and the local currency operation server, Performing a payment function according to the payment amount using the local currency held in the account;
By the affiliated store terminal, the local currency corresponding to a preset ratio among the local currency provided by the affiliated store terminal according to the provision of goods and services on a predetermined date in connection with the local currency operation server and the financial institution server is converted into legal currency. By performing a function to exchange currency, receive the fiat currency corresponding to the local currency requested for exchange to the bank account associated with the seller of the affiliated store terminal, and convert the local currency provided in accordance with the provision of goods and services from the affiliated store terminal into fiat currency. Receiving a fee when the exchange rate of local currency to legal currency is less than a preset reference rate, and receiving a preset fee when the exchange rate exceeds the reference rate;
In order to increase circulating added value by recycling the payment at other stores by using at least a portion of the local currency provided according to the local currency settlement of the terminal by linking with the other affiliated store terminal and the local currency operation server by the affiliated store terminal And performing another payment function according to the use of goods and services provided by the other affiliated store terminals by reusing the local currency provided by the affiliated store terminal according to the execution of a payment function with the terminal;
The local currency operation server collects the local currency usage history of the terminal and the local currency usage history that reuses the local currency provided by the affiliated store terminal by performing a payment function with the terminal, and selects a new business in the local community Analyzing the use of local currency of the collected terminal and affiliated store terminal at the time, and assigning additional points or prioritizing when selecting a new project in the local community;
By the local currency operation server, by analyzing the usage of local currency in the community of the collected affiliated store terminals, monitoring the monthly reuse amount for each affiliated business sector, and calculating the monthly reuse amount for each sector of the primary business affiliated store and the secondary business affiliated store. Monitoring, generating a monthly affiliated store reuse amount monitoring report, statisticalizing and visualizing an average recycling rate, and providing it to the affiliated store terminal; And
By the local currency operation server, an affiliate store that considers one or more local communities is selected based on the total amount of local currency reuse per affiliate store terminal accumulated for a certain period, and stores related to the selected affiliate store are first exposed or marketed when searching the affiliate store. A method of providing local currency, including the step of providing priority support when performing a commercial area activation project in the area. The method of claim 4,
The step of performing a payment function according to the payment amount using the local currency held in the account of the terminal,
By the terminal, the password received according to the user input on the password input screen displayed on the terminal, identification information of the terminal, the payment amount, affiliate store information and payment request information according to the QR code scan to the local currency operating server Transfer process;
Checking, by the local currency operation server, whether the security password registered in advance corresponding to the account related to the terminal matches the password transmitted from the terminal; And
When the security password registered in advance corresponding to the account related to the terminal matches the password transmitted from the terminal, the local currency operating server handles withdrawal of the local currency corresponding to the payment amount from the account related to the terminal And depositing the local currency corresponding to the withdrawal-processed payment amount to an account related to the affiliated store terminal included in the affiliated store information. The method of claim 4,
When performing the payment function using local currency in the terminal, when the local currency balance is insufficient, the terminal interlocks with the local currency operation server and the financial institution server, and the amount corresponding to the local currency insufficient to perform the payment function is recalled. Withdrawing from a bank account of the terminal, depositing the withdrawn shortfall amount to an account related to the local currency operation server, and depositing a local currency corresponding to the shortfall amount to the account of the terminal; And
By the terminal, interlocking with the affiliated store terminal and the local currency operation server, further comprising the step of performing a payment function according to the payment amount using local currency held by additional charging in the account of the terminal How to provide local currency. The method of claim 4,
The step of performing the payment function,
A local currency, characterized in that the terminal performs password authentication and then performs a payment function through a scan of a QR code including information about the store related to the store provided by the affiliate terminal and a payment amount to be paid by the terminal. Delivery method. delete The method of claim 4,
Displaying, by the terminal, a charging screen corresponding to the selected charging menu when a preset charging menu is selected from an app execution result screen displayed on the terminal;
A password for receiving a password by the terminal when a preset charging menu displayed on one side of the charging screen is selected after the charging amount and the linked bank account are selected according to the user selection on the charging screen displayed on the terminal Displaying an input screen;
When the password according to the user input on the password input screen displayed on the terminal matches the security password previously registered in relation to the terminal, the terminal interlocks with the local currency operation server and the financial institution server, and the charge amount Performing a charging function for the local currency corresponding to the; And
By the local currency operation server, the step of interlocking with the blockchain server, encrypting the deposit information including the recharge amount charged in the terminal with a preset encryption method, and registering the encrypted deposit information in the blockchain. A method of providing local currency, comprising: The method of claim 9,
The step of performing a charging function for the local currency corresponding to the charging amount,
Transmitting, by the terminal, a password received according to a user input on a password input screen displayed on the terminal, the charging amount, the linked bank account, identification information of the terminal, and charging application information to the local currency operation server;
Checking, by the local currency operation server, whether the security password registered in advance corresponding to the account related to the terminal matches the password transmitted from the terminal;
When the security password registered in advance corresponding to the account related to the terminal and the password transmitted from the terminal match, by the local currency operation server, the account information of the terminal, the linked bank account information of the bank related to the terminal, Transmitting the recharge amount, account information related to the local currency operation server, and withdrawal request information to the financial institution server;
Processing, by the financial institution server, an amount corresponding to the charging amount from a linked bank account related to the terminal, and depositing the processed amount into a bank account related to the local currency operation server;
Transmitting, by the financial institution server, information indicating that the amount corresponding to the recharge amount has been deposited into an account related to the local currency operation server to the local currency operation server;
Receiving information indicating that the amount corresponding to the recharge amount transmitted from the financial institution server has been deposited into an account related to the local money operation server in response to the withdrawal request information transmitted previously by the local money operation server. process; And
And depositing, by the local currency operation server, the local currency corresponding to the recharge amount and the local currency corresponding to the general incentive to which a preset ratio is applied to the recharge amount to the account of the terminal. How to provide local currency.

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