KR102216147B1 - e-money operation system - Google Patents

Abstract

An objective of the present invention is to effectively prevent double payments (transactions) in accordance with initial records. According to one embodiment of the present invention, a digital currency operation system comprises: a digital currency operation server to issue, charge (distribute), exchange, and discard a digital currency provided with an information recording space (capacity); a user electronic wallet allowing the digital currency to be charged by the digital currency operation server to use the digital currency for a service transaction and a product transaction of an online/offline member store; and a member store electronic wallet which is paid with the digital currency for a transaction from the user electronic wallet, and requests an exchange of the digital currency from the digital currency operation server. The digital currency leaves a transaction record in the information recording space in each transaction process and is used as an information medium linked to each electronic wallet program.

Description

Digital money operation system {e-money operation system}

The present invention relates to a digital currency operating system.

Cryptocurrency (virtual) currency and electronic money can be viewed as intangible currencies that are stored or displayed on an electronic device and used online/offline, unlike tangible currencies used offline.

Crypto (virtual) decentralized payment method based on blockchain technology has the advantage of guaranteeing anonymity, but the more people who transact, the longer the payment time, the higher the user fee, and the given to each participating node (computer). Due to the reduced compensation, commercialization is difficult. Electronic money centralized payment methods such as banks or credit card companies based on a central server have the advantage of being relatively safe and fast, but all personal transaction data remains on the central server, making it difficult to guarantee anonymity and paying users expensive payment fees There are disadvantages in that the operator has a high cost for maintenance and management of payment and security systems, and that electronic money is used for payment and cannot perform other functions on its own.

Unexamined Patent Publication No. 10-2018-0065799

An object to be solved by the present invention is to provide a digital money operating system capable of solving the conventional problems.

The digital currency operating system according to an embodiment of the present invention for solving the above problem performs issuance, charging (distribution), currency exchange, and disposal of digital currency to which information recording space (capacity) is assigned (difference from electronic money). A digital currency operation server; A user electronic wallet that receives the digital money from the digital money operation server and uses it as a price for product transactions and service transactions of on/offline affiliates; The digital currency is paid as a transaction price from the user's electronic wallet, and includes a merchant electronic wallet that requests exchange of the digital currency to the digital currency operation server, and the digital currency leaves a transaction record in the information recording space for each transaction process. It is characterized by being used as an information medium linked with each electronic wallet program.

Therefore, by using the digital currency operating system according to an embodiment of the present invention, records from issuance and charging, payment, and currency exchange in different types of digital currency according to payment status, payment place, and payment target are recorded for each process. By distributed storage, it is effective to prevent double payment (transaction) according to the initial record.

In addition, moving away from the current QR code method, which is an obstacle to the spread of simple payment (cost, time, etc.), franchisees information is recorded in the information recording space by function, purpose, or service by selecting a dedicated digital currency or simply entering and approving the payment amount. It offers the advantage that payment can be made.

1 is a schematic diagram of a digital currency operating system according to an embodiment of the present invention.
2 is a detailed configuration diagram of the user terminal shown in FIG. 1.
3 is a detailed configuration diagram of the digital currency issuance and exchange server shown in FIG. 1.
4 and 5 are diagrams for explaining the structure and types of dedicated digital currency.
6 is an exemplary diagram showing the configuration of an electronic wallet digital currency platform presented in the present invention.
7A to 7B are diagrams showing execution screens of the charging interface shown in FIG. 6.
8A to 8E are exemplary views showing an execution screen of the subscription interface shown in FIG. 6 and a recording status of a dedicated digital currency information recording space for each process.
9A to 9D are exemplary views showing execution screens of the payment interface shown in FIG. 6.
10 is an exemplary diagram showing an execution screen of the interlocking interface shown in FIG. 6.
11 to 13 are exemplary views showing an execution screen of a reservation interface and a recording status of a dedicated digital currency information recording space for each process.
14 to 16 are exemplary views showing the execution screen of the direct transaction interface shown in FIG. 6 and the recording status of the dedicated digital currency information recording space for each process.
17 is an exemplary view showing an execution screen of the interface for managing user information shown in FIG. 6.
18 is an exemplary view showing an execution screen of the remittance interface shown in FIG. 6.
19 to 21 are exemplary diagrams showing an execution screen of the copyright interface shown in FIG. 6 and a recording status of a dedicated digital currency information recording space for each process.
22 to 24 are exemplary diagrams showing an execution screen of the late interface shown in FIG. 6 and recording of a recommender in a dedicated digital currency information recording space distribution area when charging.
25 is a diagram illustrating an exemplary computing environment in which one or more embodiments disclosed herein may be implemented.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those of ordinary skill in the art can easily implement the present invention. However, the present invention may be implemented in various different forms and is not limited to the embodiments described herein. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and similar reference numerals are assigned to similar parts throughout the specification.

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

In the present specification, the term "unit" includes a unit realized by hardware, a unit realized by software, and a unit realized using both. Further, one unit may be realized using two or more hardware, or two or more units may be realized using one hardware. In this specification, some of the operations or functions described as being performed by the terminal, device, or device may be performed instead in a server connected to the terminal, device, or device. Likewise, some of the operations or functions described as being performed by the server may also be performed by a terminal, device, or device connected to the server. In this specification, some of the operations or functions described as mapping or matching with the terminal means mapping or matching the unique number of the terminal or the identification information of the individual, which is the identification information of the terminal. Can be interpreted as.

In this specification, the terms general digital currency and dedicated digital currency can be used as collectively called digital currency.

Hereinafter, a digital money operating system according to an embodiment of the present invention will be described in more detail based on the accompanying drawings.

1 is a schematic diagram of a digital currency operating system according to an embodiment of the present invention, FIG. 2 is a detailed configuration diagram of the user terminal shown in FIG. 1, and FIG. 3 is a detailed configuration of the digital currency operating server shown in FIG. 4 and 5 are diagrams illustrating the structure and types of dedicated digital currency, FIG. 6 is an exemplary view showing the configuration of the electronic wallet digital currency platform presented in the present invention, and FIGS. 7A to 7B are 8A to 8E are exemplary views showing the execution screen of the subscription interface shown in FIG. 6 and the recording status of the dedicated digital currency information recording space for each process, and FIGS. 9A to 8E 9D is an exemplary view showing an execution screen of the payment interface shown in FIG. 6, FIG. 10 is an exemplary view showing an execution screen of the interlocking interface shown in FIG. 6, and FIGS. 11 to 13 are execution screens of the reservation interface and An exemplary diagram showing the recording status of the dedicated digital currency information recording space for each process, and FIGS. 14 to 16 are exemplary diagrams showing the execution screen of the direct transaction interface shown in FIG. 6 and the recording status of the dedicated digital currency information recording space for each process. , FIG. 17 is an exemplary view showing an execution screen of the interface for managing user information shown in FIG. 6, FIG. 18 is an exemplary view showing an execution screen of the remittance interface shown in FIG. 6, and FIGS. 19 to 21 are 6 is an exemplary diagram showing the execution screen of the copyright interface and the recording status of the dedicated digital currency information recording space for each process, and FIGS. 22 to 24 are execution screens of the latter interface shown in FIG. 6 and dedicated digital currency information during charging It is an exemplary diagram showing the recording of the recommender in the recording space distribution area.

As shown in FIG. 1, the digital currency operating system 100 according to an embodiment of the present invention includes a user terminal 200, a digital currency affiliated store terminal 300, and a digital currency operating server 400.

The user terminal 200 may be a terminal that executes a user electronic wallet digital currency platform for requesting and processing any one of issuance, charging, transfer of rights, and electronic payment of at least one digital currency classified according to usage.

Here, the user's electronic wallet is a transaction medium that receives the digital currency from the digital currency operation server 400 and uses it as a commodity transaction and service transaction price of an on/offline affiliate store.

The digital currency affiliated store terminal 300 may be a terminal executing an affiliated store electronic wallet digital currency platform that receives payment for on/offline product and service transactions in the digital currency.

Here, the affiliated store electronic wallet is a transaction medium that receives the digital currency as a transaction price from the user's electronic wallet, and requests the digital currency to be exchanged to the digital currency operation server 400.

The digital currency operation server 400 is configured to issue, charge (distribute), exchange, and discard digital currency to which information recording space (capacity) is assigned, and the user terminal 200 requests issuance, request for charging, In accordance with the right transfer request, digital currency is issued, charged, and rights transferred to the user terminal 200, and the digital currency requested for exchange by the digital currency affiliated store terminal 300 is exchanged into electronic money (bank account, etc.).

On the other hand, at least one digital currency described above leaves a transaction record in the information recording space for each transaction process (see Figs. 8D, 8E, 13, 15, 21, 24) and interlocks with each electronic wallet program. It is used as an information medium, and includes an information recording space for distributed recording of at least one of issuance details, charge details, usage details, payment details, and currency exchange details, and the information recording space assigned when the digital currency is issued by the operation server ( Each area can be expanded and distributed repeatedly until the capacity) is full, or the right is transferred by copy transmission method after recording process-specific information in the information recording space, and transaction records for each process are original digital currency in the information recording space. It is a transaction method that is distributed and stored in the system to prevent double payment due to the initial transaction record.

Therefore, the at least one digital currency is real, such as the user's electronic wallet, the affiliate store's electronic wallet, and the account linkage or transfer of the digital currency operation server, contracts, credit (including mobile credit card storage), coupons, gift certificates, points, cryptocurrencies, etc. A currency that is issued and charged at 1:1 value with the currency, and is an information recording space for distributed recording of at least one of issuance details, charge details, usage details, payment details, and currency exchange details, expiration date, and purchase method , Remaining space and unique identification code (records such as bank name (company name) year/month/date/time), etc. can be included.

In addition, for the at least one or more dedicated digital currencies, the usage or usable products and services are specified according to the settings at the time of issuance of the issuing affiliate, and there is no restriction on the amount used within the amount limit. It is classified as a commodity-type exclusive digital currency issued according to the service price. Dedicated digital currency is the number of holdings, distribution (information code), product name (product code), buyer/seller (records), face value (product price), discount rate (discounted amount), settlement price (difference), accumulation rate (point amount), refund (time limit) ), transaction proof and exchange information can be recorded.

In addition, the digital currency can be issued from the digital currency operating server 400 for each country for each type of national currency requested from the user terminal 200 or the affiliated store terminal 300 on which the digital currency platform 10 is executed, and the unit of issue amount. have.

Here, the digital currency platform described herein may be an application, program, web page, cloud, edge computer, or the like installed or driven on the user terminal and the digital currency affiliated store terminal 300 through a network, or a terminal system.

Here, the web browser is a program that enables the use of a Web (WWW: World Wide Web) service, and refers to a program that receives and displays hypertext described in HTML (hyper text mark-up languge). For example, Netscape ), Explorer, chrome, etc.

In addition, the application refers to an application program on the terminal, and includes, for example, an app running on a mobile terminal (smart phone). The app can be downloaded and installed from the application market, a virtual marketplace where mobile content is freely bought and sold, or can be operated in conjunction with the cloud or edge computer.

On the other hand, the user electronic wallet and the affiliated store electronic wallet mentioned in the present application encode and store registered personal and business information with a random code, and an arbitrary code automatically extracted at the time of payment and exchange is a corresponding area of the digital currency information recording space. Is recorded in, and when the digital currency flows in, an arbitrary code is decoded and displayed by a program installed inside.

In addition, the digital currency payment method referred to herein includes at least one of a first payment method, a second payment method, a third payment method, and a fourth payment method.

The first payment method is a payment method that stores digital money received from the digital money operation server in the user's electronic wallet and uses it for payment.

The second payment method is, when payment or issuance after designating an affiliate store or a target electronic wallet in the user's electronic wallet, the digital currency issued by the digital money operation server is transferred to the affiliated store or the target electronic wallet via the user's electronic wallet. It is a payment method.

The third payment method is a payment method in which the digital currency issued by the digital money operation server is transferred directly to the affiliated store or the target electronic wallet upon payment or issuance after designating an affiliate store or target electronic wallet in the user electronic wallet. .

The fourth payment method is a payment method in which, in the first payment method, when digital currency stored in the user's electronic wallet is paid, the digital currency is divided in face value according to the transaction amount and the right is transferred to the affiliated store electronic wallet.

Here, the first payment method and the fourth payment method are payment methods in which payment is made only by selecting the exclusive digital currency or entering and approving the payment amount without a separate recognition means when making a payment with the exclusive digital currency.

The selection of the dedicated digital currency is not limited to touch/input and may be a selection based on biometrics.

In addition, in the first payment method and the fourth payment method, when the user electronic wallet connected to the digital currency operation server location-based system is executed, information on one or more affiliated stores or affiliated store electronic wallets adjacent to the corresponding location is displayed, and displayed information It is a payment method in which payment is made only by entering and approving a dedicated digital currency or payment amount automatically selected by selection.

In addition, the second payment method and the third payment method are online non-face-to-face transactions, and the digital currency transferred to the affiliated store or the target electronic wallet is maintained in an unrighted state so that neither party can exercise the rights until final approval. , This is a payment method in which currency exchange is possible only through final approval of the user's electronic wallet.

The meaning of maintaining the non-rights state means that the final approval of the user's electronic wallet is not recorded and distributed in the digital currency information recording space, so that currency exchange is impossible.

Hereinafter, detailed configurations of the user terminal 200, the affiliated store terminal 300, and the digital currency operation server 400 will be described in more detail.

First, the user terminal 200 may be a terminal that executes a user electronic wallet digital currency platform.

Referring to FIG. 2, the user terminal 200 includes a communication unit 210, a storage unit 220, a display unit 230, an audio output unit 240, and a control unit 250.

Not all of the components of the user terminal 200 are essential components, and the terminal 200 running the digital currency platform may be implemented by more components than the components shown in FIG. 2, or fewer components. The terminal 200 running the digital currency platform may also be implemented by the element.

The user terminal 200 running the digital currency platform includes 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) Terminals, smart TVs, digital broadcasting terminals, AVN (Audio Video Navigation) terminals, A/V (Audio/Video) systems, flexible terminals, digital signage devices, automobile communication terminals, etc. Can be applied.

The communication unit 210 communicates with an internal element or at least one external terminal through a wired/wireless communication network. In this case, the external terminal may include a server (not shown), another terminal (not shown), and the like. Here, as the wireless Internet technology, wireless LAN (WLAN), DLNA (Digital Living Network Alliance), Wibro (Wireless Broadband: Wibro), Wimax (World Interoperability for Microwave Access: Wimax), HSDPA (High Speed Downlink Packet Access) ), High Speed Uplink Packet Access (HSUPA), IEEE 802.16, Long Term Evolution (LTE), Long Term Evolution-Advanced (LTE-A), 5G (IMT-2020), broadband wireless mobile communication service (Wireless Mobile Broadband Service: WMBS), and the like, and the communication unit 210 transmits and receives data according to at least one wireless Internet technology in a range including Internet technologies not listed above. In addition, short-range communication technologies include Bluetooth, Radio Frequency Identification (RFID), Beacon, Infrared Data Association (IrDA), UWB (Ultra Wideband), ZigBee, and Near Magnetic Field Communication (Near). Field Communication: NFC), Ultra Sound Communication (USC), Visible Light Communication (VLC), Wi-Fi, Wi-Fi Direct, and the like may be included. In addition, wired communication technologies may include power line communication (PLC), USB communication, Ethernet, serial communication, optical/coaxial cable, and the like. In addition, the communication unit 210 may mutually transmit information with an arbitrary terminal through a universal serial bus (USB). In addition, the communication unit 210 includes technical standards or communication methods for mobile communication (for example, GSM (Global System for Mobile communication), CDMA (Code Division Multi Access), CDMA2000 (Code Division Multi Access 2000)), EV -DO (Enhanced Voice-Data Optimized or Enhanced Voice-Data Only), WCDMA (Wideband CDMA), HSDPA (High Speed Downlink Packet Access), HSUPA (High Speed Uplink Packet Access), LTE (Long Term Evolution), LTE-A (Long Term Evolution-Advanced), 5G (IMT-2020), etc.) Transmit and receive radio signals with the base station, the server, the other terminal, and the like on a mobile communication network.

In addition, the communication unit 210 is a digital currency platform (app) provided from the exchange server 400 connected to wired/wireless communication under the control of the control unit 250, digital currency issuance and charging, data related to the platform, etc. Can be received.

The storage unit 220 stores various user interfaces (UIs), graphic user interfaces (GUIs), and the like. In addition, the storage unit 220 stores data and programs necessary for the terminal 200 running the digital currency platform to operate. That is, the storage unit 220 is a plurality of application programs (application programs or applications) driven by the terminal device 200 running the digital money platform, the operation of the terminal 200 running the digital money platform You can store data and instructions for At least some of these application programs may be downloaded from an external server or interlocked with the cloud through wireless communication. In addition, at least some of these application programs may exist on the terminal 200 running the digital currency platform from the time of shipment for basic functions of the terminal 200 running the digital currency platform.

On the other hand, the application program is stored in the storage unit 220, installed in the terminal 200 running the digital money platform, the operation of the terminal 200 running the digital money platform by the control unit 250 (or Function). In addition, the storage unit 220 is a flash memory type (Flash Memory Type), a hard disk type (Hard Disk Type), a multimedia card micro type (Multimedia Card Micro Type), a card type memory (for example, SD or XD Memory, etc.), magnetic memory, magnetic disk, optical disk, RAM (Random Access Memory: RAM), SRAM (Static Random Access Memory), ROM (Read-Only Memory: ROM), EEPROM (Electrically Erasable Programmable Read-Only Memory), It may include at least one storage medium among Programmable Read-Only Memory (PROM). In addition, the terminal 200 running the digital currency platform may operate a web storage that performs a storage function of the storage unit 220 on the Internet, or may operate in connection with the web storage. . In addition, the storage unit 220 stores data related to the received digital currency platform under the control of the controller 250.

The display unit (or display unit) 230 uses a user interface and/or a graphic user interface stored in the storage unit 220 and the controller 250 under the control of the controller 250 to provide various menu screens, etc. Content can be displayed. Here, the content displayed on the display unit 230 includes various text or image data (including various information data) and a menu screen including data such as icons, list menus, and combo boxes. In addition, the display unit 230 may be a touch screen. In addition, the display unit 230 includes a liquid crystal display (LCD), a thin film transistor liquid crystal display (TFT LCD), an organic light-emitting diode (OLED), and a flexible display. It may include at least one of (Flexible Display), 3D display, e-ink display, and LED (Light Emitting Diode). In addition, the display unit 230 displays an execution result screen of the digital currency platform under the control of the control unit 250.

The audio output unit 240 outputs audio information included in a signal processed by a predetermined signal by the control unit 250. Here, the audio output unit 240 may include a receiver, a speaker, and a buzzer. In addition, the voice output unit 240 outputs a guide voice generated by the control unit 250. In addition, the audio output unit 240 outputs audio information (or sound effect) corresponding to the execution result screen of the digital currency platform by the control unit 250.

The controller or microcontroller unit (MCU) 250 executes an overall control function of the terminal 200 executing the digital currency platform. In addition, the controller 250 is stored in the storage unit 220. Using programs and data, the overall control function of the terminal device 200 running the digital currency platform is executed. The control unit 250 may include RAM, ROM, CPU, GPU, and bus, and includes RAM, ROM, and The CPU, GPU, etc. may be connected to each other through a bus. The CPU may access the storage unit 220 and perform booting using the O/S stored in the storage unit 220, and the storage unit ( Various operations can be performed using various programs, contents, data, etc. stored in 220. In addition, the control unit 250 is a terminal 200 running a digital money platform provided from the digital money operation server 400. In addition, a dedicated app (or application) installed in the terminal 200 running the digital currency platform is selected (or touch/execute, biometric recognition) according to user selection (or user touch/input, biometric recognition). ), the controller 250 executes a corresponding dedicated app and displays an app execution result screen on the display unit 230.

Next, the digital currency affiliated store terminal 300 receives the payment amount according to online and offline commerce in general digital currency presented herein or as a value-type and product-type exclusive digital currency, and remittance and direct transaction of the user terminal 200 It may be a terminal that runs an electronic wallet of an affiliate store holding a digital currency for use only.

Since the detailed configuration of the digital currency affiliated store terminal 300 is the same as that of the user terminal 200, a description of each configuration will be omitted.

Next, referring to FIG. 3, the digital operation server 400 is configured to issue, charge (distribute), exchange, and discard digital currency with an information recording space (capacity), and a user terminal and an affiliated store terminal ( 300) issuing and charging digital currency to the user terminal 200 and the affiliated store terminal 300 according to the issuance and charging request, and converting the digital currency requested for currency exchange from the digital currency affiliated store terminal into a 1:1 value with real money. It may be a configuration that processes currency exchange.

The digital money operation server 400 may set each recording area in the information recording space differently according to the classification of digital money, and update the user electronic wallet and the affiliated store electronic wallet accordingly.

More specifically, the digital currency operation server 400 includes a charging and issuing unit 410, a currency exchange unit 420, an affiliate store information providing unit 430, a digital currency record inspection unit 440, an AI information processing unit 450, It includes a data unit 460 and a GIS 470.

The charging and issuing unit 410 may be a configuration for charging/issuing digital currency (general digital currency, dedicated digital currency) requested by the user terminal 200 and the affiliated store terminal 300.

Here, the at least one digital currency issued by the charging and issuing unit 410 may include an information recording space for distributedly recording at least one or more of issuance details, charging details, usage details, payment details, and currency exchange details.

On the other hand, at least one digital currency described above leaves a transaction record in the information recording space for each transaction process (see Figs. 8D, 8E, 13, 15, 21, 24) and interlocks with each electronic wallet program. It is used as an information medium and includes an information recording space for distributed recording of at least one of issuance details, charge details, usage details, payment details, and currency exchange details, and the information recording space assigned when the digital currency is issued by the operation server. Each area can be expanded and distributed repeatedly until the (capacity) is full, and the right is transferred to the copy transmission method after recording the process-specific information in the information recording space, and the transaction records for each process are original digital It is a means of transaction that is distributed in currency and prevents double payment due to the initial transaction record.

Therefore, the at least one digital currency is real, such as the user's electronic wallet, the affiliate store's electronic wallet, and the account linkage or transfer of the digital currency operation server, contracts, credit (including mobile credit card storage), coupons, gift certificates, points, cryptocurrencies, etc. A currency that is issued and charged at 1:1 value with the currency, and is an information recording space for distributed recording of at least one of issuance details, charge details, usage details, payment details, and currency exchange details, expiration date, and purchase method , Residual space, and unique identification code.

In addition, for the at least one or more dedicated digital currencies, the usage or usable products and services are specified according to the settings at the time of issuance of the issuing affiliate, and there is no restriction on the amount used within the amount limit. It is classified as a commodity-type exclusive digital currency issued according to the service price. Dedicated digital currency is the number of holdings, distribution (information code), product name (product code), buyer/seller (records), face value (product price), discount rate (discounted amount), settlement price (difference), accumulation rate (point amount), refund (time limit) ), transaction proof and exchange information can be recorded.

The dedicated digital currency charging is stored in the data unit 460 to be described later by setting and transmitting a category (category) for each location (home, work, current location) through a subscription interface of the user's electronic wallet to be described later. The dedicated digital coin is stored in the data unit 460 through a dedicated digital currency issuing means, and the data unit 460 matches the category information for each location of the user's electronic wallet with the exclusive digital currency issuance information of the affiliated store electronic wallet. A method of providing currency issuance information to the user electronic wallet, and connecting to a charging means provided by the charging and issuing unit 410 by selecting information provided from the data unit 460 in the user electronic wallet, or a charging interface It is performed in one of a method of inputting and transmitting charging information through or connecting to a charging unit by selecting a charging unit address link.

Next, the exchange unit 420 records illegal charging, illegal transaction records, and no records of digital currency (general digital currency, dedicated digital currency) requested by the affiliated store terminal 300 through the digital currency record inspection unit 440 to be described later. After requesting the inspection, if the inspection result is determined to be normal, it may be a configuration that converts into real money.

In addition, the exchange unit 420 may determine whether to change currency based on the sender's approval record in the case of digital currency through direct transaction of the digital currency requested by the affiliated store terminal 300.

For example, when a sender makes a mistake in remittance due to an error in amount or misidentification, a report may be requested during approval and reporting, and the digital currency generation and exchange server 400 blocks the request for currency exchange until the corresponding report status is canceled.

Next, the affiliate store information providing unit 430 provides digital currency affiliate store information that enables product purchase with digital currency requested by the user terminal.

Here, the affiliated store information providing unit 430 may include an affiliated store product information DB, and the affiliated store product information DB is the type of digital currency handled by the affiliated store, the type of affiliated store, location information of the affiliated store, and digital currency for each selling product of the affiliated store. It may include information on the amount, discount rate for each product sold, accumulation rate, and quantity sold.

Next, the digital currency record inspection unit 440 inspects illegal charging, illegal copying, illegal transaction records (forgery) and no records of digital currency (general digital currency, dedicated digital currency) requested by the affiliated store terminal 300. In configuration, the above-described inspection is performed according to the inspection request of the above-described exchange unit 420.

Next, the AI information processing unit 450 receives purchase and sales status information by month, day, and time provided from the user terminal 200 and the affiliated store terminal 300 or the digital currency that has been used and exchanged, and provides the purchase and sales pattern. After analysis, it is possible to provide information about predicting purchases or sales of the user terminal and the affiliated store terminal.

In addition, the AI information processing unit 450 may provide, analyze, manage, predict, and display all information related to the purchase or sale of the electronic wallet, and monitor the presence or absence of duplicate digital currency in the electronic wallet in real time.

In addition, the AI information processing unit 450 randomly collects positive/negative reviews on online/offline product use, offline affiliated store use, and online affiliated store use recorded through the digital currency platform in the user terminal, and the most charged online/offline affiliated stores. And on/offline products may be listed in ascending or descending order and provided to the user terminal 200.

For reference, the AI information processing unit 450 disclosed in the present invention may employ a deep learning learning algorithm, and the deep learning learning algorithm is a Deep Belief Network, Autoencoder, Convolutional Neural Network (CNN), Recurrent Nerural Network (RNN), Deep Q-Network, etc. may be included, and the deep learning learning algorithms enumerated in the present invention are only examples, and are not limited thereto.

The AI information processing unit 450 can be operated by applying itself to the user terminal 200 and the affiliated store terminal 300 or the electronic wallet, not the digital currency operation server 400, which does not provide personal data to the enterprise. It is a way to do it personally.

The data unit 460 records and stores the exclusive digital money information issued by the affiliated store electronic wallet and the category information requested by the user electronic wallet and matches, and provides the matching exclusive digital currency issuance information to the user electronic wallet. It performs the function of providing the purchase (charging) status of the exclusive digital currency user to the affiliated store's electronic wallet.

In addition, the data unit 460 performs a function of recording and storing data necessary for a digital currency operating system and providing it as necessary.

The GIS (Geographic Information System) 470 performs a function of providing and processing location information of a user's electronic wallet and an affiliated store or affiliated store's electronic wallet.

Hereinafter, execution screens of the user electronic wallet and the affiliate store electronic wallet disclosed herein will be described in more detail with reference to FIGS. 6 to 24.

The user electronic wallet 10 disclosed herein is shown in FIG. 6, a charging interface 11, a QR interface 12, a subscription interface 13, a digital currency payment interface 14, an interlocking interface 15, a reservation interface ( 16), may include a direct transaction interface 17 and a remittance interface 18.

When the user inputs the charging amount, the charging interface 11 requests charging (issuance) according to the selection request after the user selects or randomly selects each unit amount of digital currency (general and exclusive) and the number of issuance (charge). It may be an interface provided with means for doing so.

In addition, the charging interface 11 may further include a selection means for selecting a charging (issuing) unit of digital currency for each country and for each check.

The charging interface 11 may display the type, number, and amount of digital currency held in the user electronic wallet executed on the user terminal.

Next, the QR interface 12 may be an interface for identifying an affiliated store terminal at a location adjacent to the user terminal by providing a means for recognizing or a means for recognizing by a short-range communication method or a tag method.

Next, the subscription interface 13 is the location information of the digital currency affiliate store or affiliate store terminal 300 located in a preset radius from the location of the user terminal 200, the category of the digital currency affiliate store (mutual type), and digital currency charging for each product. It may be an interface that searches and displays discount rates and accumulation rates.

The subscription interface 13 may subscribe to information about issuance of exclusive digital currency for each category, item, or business type. In addition, when selecting a category, item, or business type of a digital currency affiliate store, the location information, discount rate, and accumulation rate of the exclusive digital currency issuing affiliate store located within a preset radius are provided from the digital currency operation server 400 and displayed on geographic information. , A payment method for displaying the product name, discount, and accumulation rate sold at a specific digital currency affiliate store, selecting a purchase quantity, and processing payment according to the selected purchase quantity as digital currency.

Here, the digital currency processed by the digital currency affiliate terminal may be a buyer, a seller, a product sales par value, a discount rate%, a payment price, a saving rate%, a refund, a transaction certificate, and a record of exchange (result).

Next, the digital currency payment interface 14 may be an interface that displays available digital currency and its information according to the type of the affiliated store, and provides a means for paying with the displayed digital currency.

The interworking interface 15 provides a menu display and ordering means by interlocking with the affiliated store electronic wallet based on the digital currency operation server when the affiliated store is identified through a location-based system of the digital currency operation server or short-range communication or tag method. And, it may be an interface that displays payment details.

The reservation interface 16 may be an interface that displays information about digital currency for reservation exclusively for each category (name of affiliated store, product name, discount rate, accumulation rate, etc.), and inputs reservation information and provides a payment method.

Here, after inputting the reservation information, in the case of the digital currency in the reservation processing state, it is maintained in an unrighted state. In other words, it means that the digital currency is held in the user's electronic wallet and the rights are transferred to the affiliated store's electronic wallet in the future.

This means that only through approval of the payment of the digital currency held by the user, the digital currency in the “reservation processing” state is transferred to the possession of the affiliated store's electronic wallet.

The direct transaction interface 15 includes a direct transaction product and service information search means, and displays a search result received from the digital currency operating server or the merchant electronic wallet or the transaction target electronic wallet connected through communication at the time of the search, and the merchant electronic It is an interface that includes the business (individual) and amount information input and payment method of a wallet or transaction target electronic wallet, displays the issued (direct transaction) exclusive digital currency information recording space record, and provides a final approval method.

For reference, in the case of digital currency through direct transaction, records of each area of the information recording space (distribution and amount, sender, recipient and transaction certificate, final approval, currency exchange, etc.) are distributed and stored for each process.

In addition, if you want to exchange digital currency that has been directly traded, whether or not to change the currency is determined based on the approval record of the sender (sender).

For example, when a sender makes a mistake in remittance due to an error in money or misidentification, a report can be requested during approval and reporting, and the digital currency generation and exchange server blocks the request for currency exchange until the report status is cancelled.

The remittance interface 16 includes the merchant (individual) and amount information input and payment method of the affiliated store e-wallet or transaction target e-wallet, and displays the issued (remittance) exclusive digital currency information recording space record and final It may be an interface that provides an authorization means.

On the other hand, in addition, the digital currency platform 10 according to an embodiment of the present invention includes a shopping interface 19, a copyright interface 20, an uncharged total amount interface 21, a later interface 22, and a data interface ( 23) and an AI interface 24 may be further included.

The shopping interface 19 includes a product search means, and displays related information received from the digital currency operating server or the affiliated store electronic wallet or transaction target electronic wallet connected through communication at the time of search, and a payment means when selecting one information It is an interface that provides information, displays the issued (product) exclusive digital currency information recording space, and provides a final approval means.

The copyright interface 20 includes a copyright category setting means and a copyright product search means, and displays related information received from the digital money operation server, the affiliate store electronic wallet, or the transaction target electronic wallet when selecting or searching for a copyright product, It is an interface that provides a payment method when selecting one piece of information and displays a download or streaming method when paying.

The total uncharged interface 21 displays the sum of uncharged electronic money, such as small compensation, payment difference, and accumulated amount, and information on each uncharged electronic money (charge date, time, electronic wallet unique information code, etc.) And, it is an interface for providing charging information input and charging means for digital currency exchanged 1:1 with the total amount of uncharged.

The reason why the uncharged electronic money is not digital money but is electronic money is because it is a means for exchanging digital money, which is a means of recording and storing data.

The review interface 21 provides a link to the dedicated digital currency charging means and a means for copying the unique information code of the user's electronic wallet when paying with the exclusive digital currency issued by the affiliated store electronic wallet, and a review title and review address input field and affirmative It is an interface that provides a means for selecting reviews and negative reviews, provides a means for searching for a record of affiliate stores and product reviews, and receives and displays the corresponding affiliate store and product reviews information from the digital money operation server.

Next, the data interface 23 is an interface capable of outputting the transaction details and search details of digital currency recorded on the transaction date (time, day, month) in any one of day, month, and year. It is an interface that performs the function of.

In addition, the AI interface 24 monitors the presence or absence of duplicate digital currency in the electronic wallet in real time, analyzes the period of use of the same type of product and habits or patterns of using digital currency based on the transaction records and search records collected in the data storage in the electronic wallet. It is an interface that displays an optimal product advertisement or issuance of a digital currency exclusively for a corresponding product on the screen when the electronic wallet is executed or is displayed as text in a search box by analyzing the taste with the displayed data.

Next, the merchant electronic wallet described herein includes a QR interface, an interlocking interface, a reservation interface, a direct transaction interface, a remittance interface, a shopping interface, a copyright interface, an unfilled amount interface, a currency exchange interface, a review interface, a data interface, and an AI interface. do.

The QR interface is an interface that provides a means for recognizing or a means for recognizing by a short-range communication method or a tag method.

When the user is identified through a location-based system of the digital money operation server or a short-range communication or tag method, the interlocking interface is linked with the user's electronic wallet based on the digital money operation server to provide the user personal information and real-time order and payment details. This is the interface to display.

The reservation interface includes a (reservation) dedicated digital currency issuance information input and registration means, and when (reservation) exclusive digital currency flows, the user's electronic wallet or transaction target electronic wallet recorded in the (reservation) dedicated digital currency information recording space It is an interface that displays reservation information and reservation information, and provides a means of confirming or canceling reservations.

The direct transaction interface includes direct transaction product and service information input and registration means, and when (direct transaction) exclusive digital currency is introduced, the user electronic wallet or transaction target electronic wallet recorded in the (direct transaction) dedicated digital currency information recording space is collectively referred to as the purchaser individual It is an interface that displays information and amount information, and provides a means of confirmation or return.

The remittance interface displays the personal and amount information of the sender, collectively referred to as the user's electronic wallet or transaction target electronic wallet, recorded in the (remittance) dedicated digital currency information recording space when (remittance) exclusive digital currency flows, and provides a means of confirmation or return. It is an interface provided.

The shopping interface includes product information input and registration means, and when (shopping) exclusive digital currency is introduced, the user's electronic wallet or transaction target electronic wallet collectively referred to as the purchaser's personal information and amount recorded in the (shopping) exclusive digital currency information recording space It is an interface that displays information and provides a means of confirmation or refund.

The copyright interface includes copyright product information and file input and registration means, and when (copyright) exclusive digital currency is introduced, the user's electronic wallet recorded in the (copyright) exclusive digital currency information recording space or the transaction target electronic wallet collectively called the purchaser individual It is an interface that displays information and price information, and provides a means for downloading or streaming the product.

The unfilled total amount interface includes uncharged electronic money issuance information input and payment means, displays the payment amount electronic money received from the digital money operation server, and includes uncharged electronic money payment information input and approval means, the It is an interface that transmits to a user's electronic wallet or a transaction target electronic wallet and stores and displays related details (date, time, user, etc.).

The exchange interface is an interface that displays digital currency held and provides exchange information input and exchange means.

The review interface includes a review means related to the affiliated store or registered product, and is an interface that receives and displays review information from the digital currency operation server when searching.

The data interface is an interface that can output the transaction details and search details of digital currency recorded on the transaction date (hour, day, month) in any one period of day, month, and year, and functions as an electronic receipt. to be.

The AI interface monitors the existence of duplicate digital currency in the electronic wallet in real time, and based on the transaction records and visit records collected in the data storage in the electronic wallet, information such as the sales status by year, month, day, and time period and the buyer's gender, age, and visit route It is an interface that provides, analyzes, manages, and displays all information related to sales by analyzing data.

For reference, each of the above-described interfaces utilizes a computer program or a web program, or an application program, or a cloud computer program, or an edge computer program, or a mixture of one or more computer hardware and a computer program that is driven by using resources of the computer hardware. It can be configured. Therefore, in the description of the present invention, names of hardware and programs using the hardware may be used interchangeably. The electronic wallet driven in the user terminal and the affiliated store terminal of the present invention may be a computer program, a web program or an application program, a cloud computer program, an edge computer program, or a dedicated terminal that is driven by using hardware resources.

Therefore, by using the digital currency operating system according to an embodiment of the present invention, records from issuance and charging, payment, and currency exchange in different types of digital currency according to payment status, payment place, and payment target are recorded for each process. By distributed storage, it is effective to prevent double payment (transaction) according to the initial record.

In addition, moving away from the current QR code method, which is an obstacle to the spread of simple payment (cost, time, etc.), franchisees information is recorded in the information recording space by function, purpose, or service by selecting a dedicated digital currency or simply entering and approving the payment amount. It offers the advantage that payment can be made.

25 is a diagram illustrating an exemplary computing environment in which one or more embodiments disclosed herein may be implemented, an illustration of a system 1000 including a computing device 1100 configured to implement one or more embodiments described above. Shows. For example, the computing device 1100 may be a personal computer, a server computer, a handheld or laptop device, a mobile device (mobile phone, PDA, media player, etc.), a multiprocessor system, a consumer electronic device, a mini computer, a mainframe computer, Distributed computing including any of the above-described systems or devices, edge computing environments that process data at an edge where data is generated rather than a central server for data processing, and the like, but are not limited thereto.

The computing device 1100 may include at least one processing unit 1110 and a memory 1120. Here, the processing unit 1110 may include, for example, a central processing unit (CPU), a graphic processing unit (GPU), a microprocessor, an application specific integrated circuit (ASIC), Field Programmable Gate Arrays (FPGA), and the like. Can have a plurality of cores.

The memory 1120 may be a volatile memory (eg, RAM, etc.), a nonvolatile memory (eg, ROM, flash memory, etc.), or a combination thereof. Further, the computing device 1100 may include an additional storage 1130. Storage 1130 includes, but is not limited to, magnetic storage, optical storage, and the like. The storage 1130 may store computer-readable instructions for implementing one or more embodiments disclosed herein, and other computer-readable instructions for implementing an operating system, an application program, and the like. Computer-readable instructions stored in storage 1130 may be loaded into memory 1120 for execution by processing unit 1110. Further, the computing device 1100 may include an input device(s) 1140 and an output device(s) 1150.

Here, the input device(s) 1140 may include, for example, a keyboard, a mouse, a pen, a voice input device, a touch input device, an infrared camera, a video input device, or any other input device. Further, the output device(s) 1150 may include, for example, one or more displays, speakers, printers, or any other output device, and the like. Further, the computing device 1100 may use an input device or an output device provided in another computing device as the input device(s) 1140 or the output device(s) 1150. In addition, computing device 1100 may include communication connection(s) 1160 that enable computing device 1100 to communicate with other devices (eg, computing device 1300 ).

Here, the communication connection(s) 1160 is a modem, a network interface card (NIC), an integrated network interface, a radio frequency transmitter/receiver, an infrared port, a USB connection, or other computing device for connecting the computing device 1100 to another computing device. May contain interfaces. Further, the communication connection(s) 1160 may include a wired connection or a wireless connection. Each component of the computing device 1100 described above may be connected by various interconnections such as a bus (eg, peripheral component interconnection (PCI), USB, firmware (IEEE 1394), optical bus structure, etc.). And may be interconnected by network 1200. Terms such as "component" and "system" as used herein generally refer to a computer-related entity that is hardware, a combination of hardware and software, software, or software in execution.

The present invention is not limited by the above-described embodiments and the accompanying drawings. It will be apparent to those of ordinary skill in the art to which the present invention pertains, that components according to the present invention can be substituted, modified, and changed within the scope of the technical spirit of the present invention.

100: digital currency operating system
200: user terminal
210: communication department
220: storage unit
230: display
240: audio output unit
250: control unit
300: affiliated store terminal
400: Digital currency operation server
410: charging and issuing unit
420: exchange department
430: affiliate store information provider
440: digital currency record inspection unit
450: AI information processing unit
10: digital currency platform
11: charging interface
12: QR interface
13: Subscription Interface
14: digital currency payment interface
15: interlocking interface
16: reservation interface
17: direct transaction interface
18: remittance interface
19: online shopping interface
20: copyright interface
21: Unfilled total amount interface
22: late interface
23: Data details interface
24: AI interface

Claims (14)

A digital currency operation server that issues, recharges (distributes), exchanges, and discards digital currency with an information recording space (capacity);
A user electronic wallet that receives the digital money from the digital money operation server and uses it as a price for product transactions and service transactions of on/offline affiliates;
A merchant electronic wallet receiving the digital currency as a transaction price from the user's electronic wallet, and requesting exchange of the digital currency to the digital currency operation server,
The digital currency is used as an information medium that is linked with each electronic wallet program by leaving a transaction record in the information recording space for each transaction process,
The user's electronic wallet is
A QR interface that provides a means for recognizing or a means for recognizing a short-range communication method or a tag method;
When identifying the affiliated store through the location-based system of the digital money operation server or short-range communication or tag method, it is interlocked with the affiliated store electronic wallet based on the digital money operation server to provide menu display and order means, and to display payment details. Interlocking interface;
A reservation interface that displays digital currency information for reservations for each category (name of merchant, product name, discount rate, accumulation rate), and provides reservation information input and payment method;
It includes a search means for direct transaction product and service information, and displays the search results received from the digital currency operating server or the affiliated store electronic wallet or transaction target electronic wallet connected by communication at the time of the search, and collectively referred to as the affiliated store electronic wallet or transaction target electronic wallet A direct transaction interface that includes a seller's business (individual) and amount information input and payment method, displays the issued (direct transaction) exclusive digital currency information recording space record, and provides a final approval method;
Remittance interface that includes the merchant's electronic wallet or transaction target electronic wallet collectively called the recipient's business (individual) and amount information input and payment method, displays the issued (remittance) exclusive digital currency information recording space record and provides a final approval method ;
It includes a product search means, displays related information received from the digital currency operation server or the affiliate store electronic wallet or transaction target electronic wallet connected through communication at the time of search, provides a payment method when selecting one information, and issues ( Commodity) a shopping interface that displays a dedicated digital currency information recording space record and provides a final approval means;
Includes a copyright category setting means and a copyright product search means, and displays related information received from the digital currency operating server, the affiliate store e-wallet, or the transaction target e-wallet when selecting or searching for a copyright product, and a payment method when selecting one information A copyright interface that provides and displays a download or streaming means upon payment;
Displays the total amount of uncharged electronic money, which is the sum of unfilled electronic money such as small compensation, payment difference, and accumulated amount, and information of each uncharged electronic money (charge date, time, and unique information code of the electronic wallet sent), and the total amount of uncharged is 1:1 An uncharged total amount interface for providing charging information input and charging means for exchanged digital currency;
When paying with the exclusive digital currency issued by the affiliated store's electronic wallet, a link to the dedicated digital currency charging method and a copying method of the user's electronic wallet unique information code are provided, and a review title and review address input field and a positive review and negative review selection method are provided. , A review interface for providing an affiliate store and product review record search means, and receiving and displaying corresponding affiliate store and product review information from the digital currency operation server;
An interface capable of outputting transaction details and search details of digital currency in which transaction dates (time, day, month) are recorded in one of day, month, and year, comprising: a data interface that performs a function of an electronic receipt; And
Real-time monitoring of the existence of duplicate digital currency in the electronic wallet, analysis and display of the period of use of the same type of product and habits or patterns of using digital money based on the transaction records and search records collected in the data storage in the electronic wallet, and with the data indicated above. A digital currency operating system comprising an AI interface that displays an optimal product advertisement or issuance of a digital currency dedicated to the product as a taste analysis on a screen when an electronic wallet is executed, or displays text in a search box. The method of claim 1,
The above digital currency is
After recording the information for each process in the information recording space, the rights are transferred by a copy transmission method, and the transaction records for each process in the information recording space are distributed and stored in the original digital currency to prevent double payment due to the initial transaction record. Digital currency operating system. The method of claim 1,
The digital currency is classified into general and exclusive digital currency,
The digital currency is 1:1 with real money such as the user's electronic wallet, the affiliated store's electronic wallet, and the account linkage or transfer, contract, credit (including mobile credit card storage), coupons, gift certificates, points, cryptocurrency, etc. Issuance and recharge are made with value,
The dedicated digital currency is specified in accordance with the setting at the time of issuance of the issuing affiliated store, or the product and service that can be used,
A digital currency operating system, characterized in that it is classified into a dedicated digital currency issued in accordance with the price of a specific product and service, and a dedicated digital currency issued in accordance with the price of a specific product and service so that there is no restriction on the amount used within the amount limit. The method according to any one of claims 1 to 3,
The digital currency operation server
A digital currency operating system, characterized in that, according to the digital currency classification, each recording area in the information recording space is set differently, and the user electronic wallet and the affiliate store electronic wallet are updated. The method of claim 3,
The above dedicated digital currency
Stored in the digital money operation server through a dedicated digital money issuing means of the affiliated store electronic wallet,
When requesting to charge the digital currency through the digital currency charging means for the user's electronic wallet,
The digital money operating system, characterized in that the digital money operating system is issued and charged by deducting from the total amount or the total number of exclusive digital money issued by the affiliated store electronic wallet according to the user's electronic wallet recharge amount type or product type dedicated digital currency. The method according to claim 3 or 5,
The above dedicated digital currency charging
By setting and transmitting a category (category) for each location (home, work, current location) through the subscription interface of the user's electronic wallet, it is stored in the digital currency operation server,
Stored in the digital money operation server through a dedicated digital money issuing means of the affiliated store electronic wallet,
The digital money operation server matches the category information for each location of the user's electronic wallet with the exclusive digital currency issuance information of the affiliated store electronic wallet, and provides the matching exclusive digital currency issuance information to the user's electronic wallet,
The user's electronic wallet is connected to the charging means by selecting information provided from the digital money operation server, inputting and transmitting charging information through the charging interface, or connecting to the charging means by selecting the charging means address link. Digital currency operating system, characterized in that. The method of claim 6,
The subscription interface is
When selecting a location and a category through the subscription interface in the user's electronic wallet, all affiliated store-only digital currency information belonging to the selected option is displayed on an online map, and a method of connecting to a charging means by selecting one of them. Digital currency operating system. The method of claim 1,
The digital currency payment method
A first payment method for storing digital money received from the digital money operation server in the user's electronic wallet and using it for payment;
A second payment method in which the digital money issued by the digital money operation server is transferred to the affiliate store or the target electronic wallet via the user electronic wallet when payment or issuance after designating an affiliate store or a target electronic wallet in the user electronic wallet;
A third payment method in which the digital currency issued by the digital money operation server is directly transferred to the affiliated store or the target electronic wallet upon payment or issuance after designating an affiliate store or a target electronic wallet in the user's electronic wallet;
In the first payment method, when paying for digital money stored in the user's electronic wallet, the digital currency is divided in face value according to the transaction amount, and the right is transferred to the affiliated store electronic wallet. Digital currency operating system. The method of claim 8,
The first payment method and the fourth payment method
A digital currency operating system comprising a method in which payment is made only by selecting the exclusive digital currency or entering and approving the payment amount without a separate recognition means when paying for exclusive digital currency. The method of claim 8,
The digital currency operation server includes a location-based system,
The first payment method and the fourth payment method
When the user's electronic wallet connected to the digital money operation server location-based system is executed, information on one or more affiliated stores or affiliated store electronic wallets adjacent to the location is displayed, and a dedicated digital currency or payment amount that is automatically selected by selecting the displayed information is input. And a method in which payment is made only by approval. The method of claim 8,
The second payment method and the third payment method
In an online non-face-to-face transaction method, the digital currency transferred to the affiliated store or the target electronic wallet is maintained in an unrighted state so that neither party can exercise the rights until final approval,
A digital currency operating system, characterized in that in a manner in which currency exchange is possible only through final approval of the user's electronic wallet. The method of claim 1,
The user electronic wallet and the affiliated store electronic wallet
Encode and store registered personal and business information with a random code,
Records a random code automatically extracted during payment and exchange in the corresponding area of the digital currency information recording space,
A digital currency operating system, characterized in that when the digital currency flows in, a random code is decoded and displayed by a program installed therein. delete The method of claim 1,
The merchant electronic wallet
A QR interface that provides a means for recognizing or a means for recognizing a short-range communication method or a tag method;
When a user is identified through a location-based system of the digital money operation server connected through communication, short-range communication or tag method, the user's personal information and real-time order and payment details are interlocked with the user's electronic wallet based on the digital money operation server. An interlocking interface to display;
(Reservation) The user's electronic wallet recorded in the (reservation) dedicated digital currency information recording space when the (reservation) exclusive digital currency inflows, including a means for input and registration of exclusive digital currency issuance information, or the transaction target electronic wallet collectively called the reservation individual A reservation interface that displays information and reservation information, and provides a means of confirming or canceling a reservation;
Including direct transaction product and service information input and registration means, and when (direct transaction) exclusive digital currency is introduced, the user's electronic wallet or transaction target electronic wallet collectively referred to as the purchaser's personal information and amount recorded in the (direct transaction) exclusive digital currency information recording space A direct transaction interface that displays information and provides a means of confirmation or return;
(Remittance) Remittance that displays the personal and amount information of the sender, collectively referred to as the sender's personal and amount information recorded in the (remittance) dedicated digital currency information recording space, and provides a means of confirmation or return interface;
Including product information input and registration means, and when (shopping) exclusive digital money is introduced, the user's electronic wallet or transaction target electronic wallet collectively referred to as the user's electronic wallet or transaction target electronic wallet recorded in the (shopping) exclusive digital currency information recording space is displayed. And, a shopping interface that provides a confirmation or refund means;
Including copyright product information and file input and registration means, when (copyright) exclusive digital currency is introduced, the user's electronic wallet or transaction target electronic wallet collectively referred to as the purchaser's personal information and amount recorded in the (copyright) exclusive digital currency information recording space A copyright interface that displays information and provides means for downloading or streaming the product;
Including uncharged electronic money issuance information input and payment means, displaying the payment amount electronic money received from the digital money operation server, including uncharged electronic money payment information input and approval means, and the user electronic wallet or transaction An uncharged total amount interface that transmits to the target electronic wallet and stores and displays related details (date, time, user, etc.);
A currency exchange interface that displays digital currency held and provides currency exchange information input and currency exchange means;
A review interface that includes a review means related to the affiliate store or registered product, and receives and displays review information from the digital currency operation server when searching;
An interface capable of outputting transaction details and search details of digital currency in which transaction dates (time, day, month) are recorded in one of day, month, and year, comprising: a data interface that performs a function of an electronic receipt; And
It monitors the existence of duplicate digital currency in the electronic wallet in real time, analyzes information such as sales status by year, month, day, and time period and information such as the sex, age, and route of visit based on the transaction records and visit records collected in the data storage in the electronic wallet. A digital currency operating system that includes an AI interface that provides, analyzes, manages and displays all information related to sales.

Images