KR102297975B1 - Apparatus and Method for mediating Online deal based on Smart Contract - Google Patents

Abstract

A smart contract-based online transaction brokerage device according to an embodiment disclosed in this document includes a communication circuit capable of communicating with a buyer terminal, a seller terminal, and a transaction platform server; a memory for storing instructions for executing a smart contract; and a processor operatively connected to the communication circuit and the memory, wherein the smart contract, when executed, causes the processor to include a transaction amount related to an item transaction from the purchaser terminal, a purchaser's wallet address, and a seller's wallet address Upon receiving a request for remittance of a coin, a coin corresponding to the transaction amount from among the coins deposited in the wallet address of the buyer is transferred to the wallet address of the seller, and withdrawal of the transferred coin is restricted, and the seller terminal or Upon receiving a request for registration of delivery information related to the product transaction from the transaction platform server, the delivery information is stored in the block chain including the memory, and when a decision to purchase the product related to the delivery information is received from the purchaser terminal, the remittance You can make it possible to release the withdrawal limit of the coin. In summary, “smart contract-based online transaction intermediary device” enables banks or financial institutions to provide escrow services at relatively low cost and high efficiency.

Description

Apparatus and Method for mediating Online deal based on Smart Contract}

Various embodiments disclosed in this document are related to distributed online transaction brokerage technology using a smart contract-based blockchain.

E-commerce can be conducted not only in online markets, but also in online communities. The former online market server can guarantee safe e-commerce transactions by brokering transactions so that the product price is paid after product delivery. However, since the latter online community server is for an online meeting, it does not mediate e-commerce, so personal transactions through the community have a high risk of consumer harm. Accordingly, the online community server additionally provides an escrow service to prevent damage from transactions between individuals. The escrow service server stores the product price of the buyer who has selected the brokerage service through the online community, and when the delivery of the product related to the brokerage service is completed, the payment is paid to the seller, thereby ensuring safe e-commerce.

However, since the escrow service server is a centralized system that is linked to a financial system (eg, a bank) and all transactions go through the service provider's server, the operator's development and maintenance cost, self-processing load, and system complexity may be high. For example, escrow services involve banks or financial institutions to ensure the credibility of sellers and buyers. In the case of linking with a bank, complicated procedures and approvals are required to link the system, and the functions are also limited. Moreover, it is more complicated and time consuming when the countries of the seller and the buyer are different. Generally, when money is transferred from country A to country B, it takes a lot of remittance fees and time (about 3 to 7 days) because it goes through a bank or a remittance company. In the case of banks, since money is transferred between countries through the SWIFT (society for worldwide interbank financial telecommunication) network, it may take a lot of time and money to exchange and settle money.

Various embodiments disclosed in this document may provide a smart contract-based online transaction brokerage apparatus and method that can increase the safety of online transactions using a smart contract-based block chain.

A smart contract-based online transaction brokerage device according to an embodiment disclosed in this document includes a communication circuit capable of communicating with a buyer terminal, a seller terminal, and a transaction platform server; a memory for storing instructions for executing a smart contract; and a processor operatively connected to the communication circuit and the memory, wherein the smart contract, when executed, causes the processor to include a transaction amount related to an item transaction from the purchaser terminal, a purchaser's wallet address, and a seller's wallet address Upon receiving a request for remittance of a coin, a coin corresponding to the transaction amount from among the coins deposited in the wallet address of the buyer is transferred to the wallet address of the seller, and withdrawal of the transferred coin is restricted, and the seller terminal or Upon receiving a request for registration of delivery information related to the product transaction from the transaction platform server, the delivery information is stored in the block chain including the memory, and when a decision to purchase the product related to the delivery information is received from the purchaser terminal, the remittance You can make it possible to release the withdrawal limit of the coin.

In addition, the online transaction brokerage method by the online transaction brokerage device according to an embodiment disclosed in this document receives a coin remittance request including the transaction amount related to the goods transaction, the buyer's wallet address, and the seller's wallet address from the buyer terminal. upon receiving, remitting a coin corresponding to the transaction amount from among the coins deposited in the wallet address of the buyer to the wallet address of the seller; When the remitted coin receives the delivery information related to the goods transaction from the seller terminal or the transaction platform server when withdrawal is restricted, the operation of storing the delivery information in a block chain; and when a decision to purchase an item related to the delivery information is received from the purchaser terminal, releasing the restriction on withdrawal of the remitted coin.

According to various embodiments disclosed in this document, it is possible to increase the safety of online transactions by using a smart contract-based blockchain platform. In addition, various effects directly or indirectly identified through this document may be provided.

1 is a diagram illustrating a block chain according to an embodiment.
2 shows a configuration diagram of an online transaction brokerage system according to an embodiment.
3 is a block diagram of a transaction brokerage apparatus according to an embodiment.
4 is a flowchart of a transaction brokerage method according to an embodiment.
5 is a detailed flowchart of a method for brokering a purchase decision according to an embodiment.
6 is a detailed flowchart of a method of brokering a simple change of mind type of return determined transaction according to an embodiment.
7 is a detailed flowchart of a transaction brokerage method in which product defect type return is determined according to an exemplary embodiment.
8 is a flowchart illustrating a transaction brokerage method according to a delivery problem according to an embodiment.
9 is a flowchart of a transaction brokerage method according to a coin remittance problem according to an embodiment.
In connection with the description of the drawings, the same or similar reference numerals may be used for the same or similar components.

1 is a diagram illustrating a block chain according to an embodiment.

As a protocol of trust, blockchain enables asset movement between individuals without the intermediary of a third party, and can increase the reliability of asset transactions between individuals. Since the blockchain hashes all transaction records and stores them distributedly on nodes (eg, computing devices) belonging to the blockchain system, it is very difficult to forge/tamper. Referring to FIG. 1, the blockchain adds and stores verified and verified blocks (transaction records) to the chain, and each block (eg, 110) has a hash value 115 of the previous block. Therefore, in order to forge one transaction recorded on the block chain, hundreds of thousands or millions of transaction records must be forged, so the block chain has a structure (immutability) that is virtually impossible to forge. Information stored in the blockchain can be maintained in the form of a shared and continuously adjusted database (DB). Since the stored blockchain is not a single node, but distributed across multiple nodes (distributed), the information stored in the blockchain can be accessed and verified by all users on the Internet (transparency). As such, due to decentralization, transparency and immutability, the blockchain can safely support the movement of funds between individuals without the intermediary of a third party, and the transaction cost can be lowered due to the non-intervention of the intermediary. Therefore, blockchain can be more effective when applied to fields with high medium cost.

Blockchains can be programmed to record all valuable information, not just financial transactions. These records can be supported by blockchain functions called smart contracts. A smart contract-based blockchain (e.g., ethereum) transfers assets or currency in the form of a smart contract, automatically validates conditions at a specified time, and when the transferred asset or currency is paid to a specific person, You can apply for a refund. For example, Ethereum can write (or create) smart contracts for transactions between buyers and sellers, and support smart contract-based transactions. The smart contract, for example, the buyer sends the transaction amount for the goods transaction and stores the remitted transaction amount, the seller sends the transaction goods to the buyer, the buyer sends a digital key to the smart contract, the buyer sends the transaction amount can be transferred.

2 shows a configuration diagram of an online transaction brokerage system according to an embodiment.

Referring to FIG. 2 , the online transaction brokerage system 200 according to an embodiment includes a seller terminal 210 , a buyer terminal 220 , a transaction platform server 230 , a delivery company server 240 , and a transaction brokerage device 250 . ) may be included.

The seller terminal 210 may include at least one terminal used by the seller of the online transaction. The seller terminal 210 used for one transaction may be one or more. The merchant terminal 210 may include a computing device such as a smart phone, a PC, or a smart pad. The seller terminal 210 may register the item in the transaction platform server 230 according to the seller's request, and deposit the coin in the seller's wallet address through the transaction intermediary device 250 . The deposited coins may be used to pay a return fee when, for example, a product is returned due to a defect in the transaction.

The purchaser terminal 220 may include at least one terminal used by a purchaser of an online transaction. The seller terminal 210 used for one transaction may be one or more. The purchaser terminal 220 may include a computing device such as a smart phone, a PC, and a smart pad. The purchaser terminal 220 may search for and select an item from the transaction platform server 230 according to the purchaser's request, and transfer the transaction amount related to the selected item to the seller's wallet address through the transaction intermediary device 250 .

The transaction platform server 230 may include at least one server that provides an online community service (eg, a bulletin board, SNS). The transaction platform server 230 may provide a user interface (eg, a web page) for registering, searching, and selecting a transaction item. For example, when the trading platform server 230 is a server that provides an Internet bulletin board service, the trading platform server 230 is configured to register a post including product information, and to search for and select a post corresponding to a specified keyword. interface can be provided. The transaction platform server 230 may provide an interface (eg, a menu) for requesting a transaction brokerage service to the transaction brokerage device 250 . For example, when the purchaser terminal 220 selects a function menu included in a post including product information, the transaction platform server 230 may call the smart contract of the transaction intermediary device 250 in response thereto. . The transaction platform server 230 may transmit delivery information (eg, an invoice number) received from the delivery company server 240 to at least one of the transaction brokerage device 250 and the seller terminal 210 . The transaction platform server 230 may transmit credit information of the seller and the buyer to the transaction intermediary device 250 when the goods transaction is completed.

The delivery company server 240 may generate delivery information related to product delivery requested by the seller terminal 210 , and transmit the generated delivery information to the transaction platform server 230 . The delivery company server 240 may guide the completion of delivery of goods related to delivery information to the seller terminal 210 . The delivery company server 240 may process a return procedure related to delivery information. The return procedure may include, for example, assigning a return handling task to a delivery person.

The transaction intermediary device 250 may include at least one node constituting the block chain. The transaction intermediary device 250 may store a smart contract that mediates the goods transaction between the purchaser terminal 220 and the seller terminal 210 . When at least one of the seller terminal 210 and the buyer terminal 220 transmits a transaction brokerage service request (eg, a smart contract-based escrow service request) through the transaction platform server 230, the transaction brokerage device 250 is the In response to the request, it is possible to provide a transaction brokerage service based on a smart contract. Since the transaction brokerage service is performed by a smart contract implemented by the transaction brokerage device 250, the following documents will be described with the smart contract as the main body for convenience of explanation. The smart contract can transmit a coin corresponding to the transaction amount from the buyer's wallet address (or buyer's account number) to the seller's wallet address in response to a coin transfer request from the buyer terminal 220, by limiting the withdrawal of the corresponding coin. have. The wallet address may be a virtual account number that can deposit, transfer, or withdraw coins (cryptocurrency). The account number may be an account number of a financial institution (eg, a bank) capable of depositing, remitting, or withdrawing real money. When the smart contract receives delivery information from the seller terminal 210 or the transaction platform server 230, the smart contract may store the delivery information in the block chain in relation to the remitted coin. Thereafter, the smart contract may process the remitted coins based on a purchase or return decision related to the delivery information received from the buyer terminal 220 or the seller terminal 210 . For example, upon receiving a purchase decision related to delivery information from the purchaser terminal 220 , the smart contract may release the restriction on withdrawal of coins transferred to the seller's wallet address. As another example, upon receiving a return decision related to delivery information from the seller terminal 210 , the smart contract may return at least a portion of the coins transferred to the seller's wallet address to the buyer's wallet address. In this case, the smart contract may deduct the return cost (eg round-trip shipping cost) from the buyer's wallet address or the seller's wallet address depending on the return type (eg, simple change of mind, defective product). Thereafter, the smart contract may receive the seller's credit information and the buyer's credit information from the transaction platform server 230 , and store the received credit information in the block chain.

The transaction platform server 230 blocks the credit information of the seller and the buyer through the smart contract 335 after the coins related to the transaction item are settled (eg, remittance, return, or withdrawal restrictions are lifted) by the smart contract 335 can be written to the chain. For example, when the transaction platform server 230 receives a purchase decision from the purchaser terminal 220 , the credit score of the seller and the buyer is set to a specified score or higher, and credit information of the seller and the buyer including the set credit scores. can be recorded on the blockchain. When the transaction platform server 230 checks the seller's problem factors, such as a decision to return a defective product or not receiving delivery information after coin remittance, the seller's credit score may be lowered (for example, set to less than or equal to a specified score). have. The transaction platform server 230 may lower the seller's credit score (for example, set it to a specified score or less) if it checks the buyer's problem factors, such as a simple change of mind-type return decision or not receiving a coin before registering shipping information. .

According to the above-described embodiment, the transaction intermediary device 250 may guarantee the reliability of financial transactions between individuals based on the smart contract without intermediary of a financial institution such as a bank and lower the intermediate cost. In addition, according to the above-described embodiment, since the distributed system is used, system stability and processing speed can be increased.

3 is a block diagram of a transaction brokerage device 300 (eg, the transaction brokerage device 250 of FIG. 2 ) according to an embodiment.

Referring to FIG. 3 , the transaction brokerage device 300 according to an embodiment may include a communication circuit 310 , a memory 320 , and a processor 330 . In an embodiment, the transaction intermediary device 300 may omit some components or further include additional components. In addition, some of the components of the transaction intermediary device 300 are combined to form a single entity, and the functions of the components prior to the combination may be performed identically.

The communication circuit 310 is between the transaction intermediary device 300 and other devices (eg, including at least one of a transaction platform server 230 , a seller terminal 210 , a buyer terminal 220 , and a delivery company server 240 ). It is possible to support establishment of a communication channel or a wireless communication channel, and performing communication through the established communication channel.

The memory 320 may store various data used by at least one component (eg, the processor 330 ) of the transaction intermediary device 300 . The data may include, for example, input data or output data for software (eg, a smart contract) and related instructions. For example, the memory 320 may store at least one instruction for execution of the smart contract 335 . The memory 320 may include a volatile memory or a non-volatile memory.

The processor 330 may control at least one other component (eg, a hardware or software component) (eg, a smart contract) of the transaction intermediary device 300 , and may perform various data processing or operations. The processor 330 may include, for example, a central processing unit (CPU), a graphics processing unit (GPU), a microprocessor, an application processor, an application specific integrated circuit (ASIC), or field programmable gate arrays (FPGA). )), and may have a plurality of cores. The smart contract 335 may support the processor 330 to provide a transaction brokerage service when executed. The smart contract 335 is executed (or implemented) by the processor 330, but in the following document, for convenience of explanation, the smart contract 335 will be described as independently executed.

When receiving a transaction brokerage service request from at least one of the seller terminal 210 or the buyer terminal 220, the smart contract 335 may provide a user interface for the transaction brokerage service. The smart contract 335 may provide an interface for at least one of depositing a coin, remittance of a coin (withdrawal restriction state), and releasing restriction on withdrawal of the remitted coin through the user interface.

The smart contract 335 provides a coin deposit interface for goods transaction to the seller terminal 210 and the buyer terminal 220 that have requested a transaction brokerage service through the transaction platform server 230, and the seller terminal 210 and the buyer terminal 220 may deposit coins in the wallet address of the seller and the wallet address of the buyer, respectively, through the provided interface. The coin deposited by the seller may be used, for example, to pay a return fee when the product is returned due to a defect in the product. The coins deposited by the purchaser may be used to pay for the transaction item.

When the smart contract 335 receives a coin remittance request including the transaction amount related to the goods transaction, the purchaser's wallet address and the seller's wallet address from the purchaser terminal 220, the transaction amount from among the coins deposited in the purchaser's wallet address The corresponding coin can be transferred to the seller's wallet address with withdrawal restrictions. The coins remitted in the state of withdrawal restrictions may have restrictions on withdrawal.

When the smart contract 335 receives a delivery information registration request related to the goods transaction from the seller terminal 210 or the transaction platform server 230, the smart contract 335 stores the delivery information in the memory 320 in relation to the remitted coin (or transaction). It can be stored on the containing blockchain. For example, if the seller contacts the delivery company to deliver the goods to the buyer, and registers the delivery information in the transaction platform server 230 through the seller terminal 210, the transaction platform server 230 performs the smart contract 335. You can send a shipping information registration request to As another example, the seller may contact a delivery company to deliver the goods to the buyer, and may transmit a delivery information registration request to the smart contract 335 through the seller terminal 210 . As another example, when the seller requests product delivery through the transaction platform server 230 , the transaction platform server 230 requests the delivery company server 240 to deliver the product according to the seller's request, and the delivery company server 240 ) may receive delivery information from, and transmit a delivery information registration request to the smart contract 335 .

The smart contract 335 may release restrictions on withdrawal of coins transferred to the seller's wallet address when a purchase decision related to delivery information is received from the purchaser terminal 220 . For example, the smart contract 335 may transmit a digital key capable of canceling the withdrawal restriction of the remitted coin to the seller terminal 210 . The digital key may be, for example, a key required to convert coins deposited in the seller's wallet address into real money. In the smart contract 335, if delivery information is registered, and a product purchase decision is not received within a specified period (eg, 2 days), even if a product purchase decision is not received from the purchaser terminal 220, it is transmitted to the seller's wallet address. The withdrawal limit of coins can be lifted.

When a return decision related to shipping information is received from the seller terminal 210, the smart contract 335 checks the return type according to the return decision, and depending on the return type, returns the entire amount of the remitted coins or coins excluding the return fee of the seller. You can transfer money from the wallet address to the buyer's wallet address. For example, when the confirmed return type is the seller's negligence, such as a simple change of mind, the smart contract 335 may return the remitted coins, excluding the return fee, to the buyer's wallet address. The smart contract 335 may remit the return fee to the wallet address of the shipping company. As another example, when the confirmed return type is the seller's negligence, such as a defective product, the smart contract 335 may return the entire amount of the remitted coins to the buyer's wallet address. In this case, the smart contract 335 may pay a return fee (eg, round-trip shipping cost) from the seller's wallet address to the shipping company's wallet address (or account number).

The smart contract 335 transmits the at least one request to the seller terminal 210 or the buyer terminal 220 a specified number of times (eg, if at least one of the coin remittance request and the delivery information registration request is not received within the specified time) : 3 times) can be guided. If at least one request is not received in response to the smart contract 335 even after guiding the transmission of the at least one request, the smart contract 335 may decide to cancel at least one of delivery cancellation or transaction cancellation for the goods. When the smart contract 335 determines at least one cancellation, the smart contract 335 may transmit the determined cancellation request to at least one of the transaction platform server 230 or the delivery company server 240 . For example, the smart contract 335 sends a coin according to a coin remittance request, and if delivery information is not received within a first threshold time (eg, 12 hours), a delivery information request is made to the seller terminal 210 a specified number of times. (Example: 3 times) Can be transmitted. The smart contract 335 may transmit a transaction cancellation request to the transaction platform server 230 if the delivery information is not received within the second threshold time (eg, 6 hours) of the specified number of times the delivery information request is made. The smart contract 335 may return a coin transferred to the seller's wallet address to the buyer's wallet address. For another example, when the smart contract 335 receives delivery information, it checks the coin remittance record related to the delivery information, and when it is confirmed from the coin remittance record that the coin has not been remitted, another method for inducing the purchaser's coin remittance The coin remittance request may be transmitted to the purchaser terminal 220 a specified number of times (eg, 3 times). The smart contract 335 sends another coin remittance request a specified number of times and if the coin corresponding to the transaction amount is not remitted by the buyer within the third threshold time (eg, 6 hours), the delivery company server 240 You can send a request to cancel shipping. The smart contract 335 may be configured to transmit the delivery cancellation request to the delivery company server 240 before the transaction item is delivered from the seller to the buyer.

When the smart contract 335 completes coin settlement (eg, release of coin withdrawal restrictions, return of at least a portion of coins), the smart contract 335 may guide the coin settlement details to the transaction platform server 230 . The smart contract 335 may receive credit information of the seller and the buyer from the transaction platform server 230 and record the received credit information in the block chain. In this regard, the transaction platform server 230 determines the credit score of the seller and the buyer based on the coin settlement history, the product purchase decision and the return decision, and transfers the credit information of the seller and the buyer corresponding to the determined credit score to the smart contract ( 335) can be recorded on the blockchain.

In the above-described embodiment, a case in which coins can be transferred to the wallet address of the seller only after the buyer deposits the coin in the wallet address of the buyer has been described as an example. However, alternatively, the smart contract 335 may transfer real money from the buyer's financial account to the seller's wallet address. In this case, the coin remittance request may include the buyer's account number instead of the buyer's wallet address.

According to the above-described embodiment, the transaction intermediary device 300 may guarantee the reliability of financial transactions between individuals without intermediary of a financial institution such as a bank based on the smart contract and lower the intermediate cost. In addition, according to the above-described embodiment, since the distributed system is used, system stability and processing speed can be increased.

4 shows a flowchart 400 of a transaction brokerage method according to an embodiment.

Referring to FIG. 4 , in operation 410 , the transaction intermediary device 250 sends a coin corresponding to the transaction amount from among the coins deposited in the wallet address of the buyer according to the coin remittance request received from the purchaser terminal 220 to the wallet address of the seller. You can send money with withdrawal restrictions. The coin remittance request may include, for example, a transaction amount related to a product transaction, a buyer's wallet address, and a seller's wallet address.

In operation 420 , when the transaction intermediary device 250 receives delivery information related to the goods transaction from the seller terminal 210 or the transaction platform server 230 , the delivery information may be stored in the block chain in relation to the remitted coins. For example, the seller contacts the delivery company to deliver the goods to the buyer, and delivers the goods to the smart contract 335 included in the transaction intermediary device 250 through the seller terminal 210 or via the transaction platform server 230 . You can send an information registration request. As another example, when the seller requests product delivery through the trading platform server 230 , the trading platform server 230 requests the delivery company server 240 to deliver the product, and the A registration request for shipping information may be sent to the smart contract 335 .

In operation 430 , when a decision to purchase goods related to delivery information is received from the purchaser terminal 220 , the transaction intermediary device 250 may release the withdrawal restriction of the remitted coins. For example, upon receiving the product purchase decision from the purchaser terminal 220 , the transaction intermediary device 250 may transmit a digital key necessary for withdrawing the remitted coins to the seller terminal 210 .

5 is a detailed flowchart of a method for brokering a purchase decision according to an embodiment.

Referring to FIG. 5 , in operation 500 , the seller terminal 210 may register transaction item information in the transaction platform server 230 . For example, when the transaction platform server 230 provides an Internet bulletin board service, the seller terminal 210 may post product information (eg, product name, price) on the Internet bulletin board for personal transaction.

In operation 505 , the purchaser terminal 220 may search for an item to be purchased from among the transaction items registered in the transaction platform server 230 and select it as the transaction item. For example, when the transaction platform server 230 provides an Internet bulletin board service, the purchaser searches for a posting including desired product information from the Internet bulletin board using a keyword of the product, and selects desired product information from among the searched texts. can

In operation 510 , the transaction platform server 230 may guide product selection to the seller terminal 210 . For example, the transaction platform server 230 may guide product selection through an application related to the transaction platform server 230 (installed in the seller terminal 210 ) or a text message.

In operation 515 , the seller terminal 210 may negotiate the transaction amount of the goods with the purchaser terminal 220 through the transaction platform server 230 or in another way (eg, voice call or text). After operation 515 and before operation 520 , the seller terminal 210 and the buyer terminal 220 request a transaction brokerage service through the transaction platform server 230 , and thereafter, the transaction brokerage service (eg: financial transactions) may be provided.

In operation 520 , the merchant terminal 210 may deposit a coin in the merchant's wallet address through the smart contract 335 . In this case, the smart contract 335 may induce the deposit of more than the return shipping cost. If more than the return shipping cost is deposited in the seller's wallet address, operation 520 may be omitted.

In operation 525 , the purchaser terminal 220 may transmit a coin remittance request to the seller to the smart contract 335 . The coin remittance request may include, for example, a buyer's wallet address, a seller's wallet address, and a transaction amount.

In operation 530, the smart contract 335 may transmit a coin corresponding to the transaction amount from the buyer's wallet address to the seller's wallet address in response to the coin transfer request.

In operation 535 , the seller terminal 210 may transmit a delivery request related to the item to the delivery company server 240 through, for example, a web page of the delivery company.

In operation 540 , the delivery company server 240 may determine delivery information (eg, an invoice number) and transmit the determined delivery information to the transaction platform server 230 .

In operation 540 , when the transaction platform server 230 receives delivery information from the delivery company server 240 , in operation 545 , the transaction platform server 230 may transmit a delivery information registration request to the smart contract 335 .

In operation 545 , when the smart contract 335 receives a delivery information registration request from the transaction platform server 230 , in operation 550 , the smart contract 335 may store delivery information in relation to the remitted coin in the block chain.

In operation 555 , the transaction platform server 230 may transmit delivery information to the seller terminal 210 . For example, the transaction platform server 230 may transmit delivery information to the seller terminal 210 by text.

In operation 560, the delivery company server 240 may process delivery-related tasks, such as designating a delivery point related to delivery information, and then communicate with the delivery person terminal to receive and confirm delivery completion.

In operation 565 , the delivery company server 240 may inform the seller terminal 210 of delivery completion related to delivery information. Alternatively, the delivery company server 240 may inform the seller terminal 210 of delivery completion related to delivery information through the transaction platform server 230 (eg, an application related to the transaction platform server 230 ).

In operation 570 , the purchaser terminal 220 may transmit a purchase decision to the smart contract 335 according to the purchaser's request.

In operation 575, upon receiving the purchase decision from the purchaser terminal 220, the smart contract 335 may release the withdrawal restriction for the coins previously remitted to the seller's wallet address. For example, upon receiving the product purchase decision, the transaction intermediary device 250 may transmit a digital key required for withdrawing the remitted coin to the seller terminal 210 .

In operation 580, the transaction platform server 230 may record the credit information of the seller and the credit information of the buyer through the smart contract 335 in the block chain. For example, in the financial transaction process between the seller and the buyer according to FIG. 5, since there was no credit deterioration factor, the credit scores of the seller and the buyer are set to a specified score (eg, 90) or higher, respectively, and the credit score including the set credit score is set. Credit information can be recorded on the blockchain.

6 is a detailed flowchart of a method of brokering a simple change of mind type of return determined transaction according to an embodiment. Hereinafter, since operations 500 to 565 included in FIG. 6 are the same as operations 500 to 565 described with reference to FIG. 5 , detailed description thereof will be omitted in FIG. 6 .

Referring to FIG. 6 , in operation 610 , the purchaser does not like the goods delivered from the seller, and may transmit a simple change of mind type return request to the delivery company server 240 using the purchaser terminal 220 .

In operation 620, the delivery company server 240 may process a return procedure such as designating a point for processing a return business, and then confirm completion of the return according to a request to the delivery person terminal.

In operation 630 , the seller may confirm that there is no abnormality in the returned goods, and may transmit a return decision to the smart contract 335 through the seller terminal 210 .

In operation 640, the smart contract 335 may return an amount excluding a return fee from among the coins corresponding to the transaction amount previously remitted to the wallet address of the seller to the wallet address of the buyer. In operation 640, the smart contract 335 may return the coin deposited by the seller in real money in the product transaction process.

In operation 650 , the transaction platform server 230 may lower the buyer's credit score (eg, set it to be less than or equal to the specified score) and set the seller's credit score to be higher than or equal to the specified score.

In operation 660, the transaction platform server 230 may record the credit information of the buyer and the credit information of the seller including the set purchase points in the block chain.

7 is a detailed flowchart of a transaction brokerage method in which product defect type return is determined according to an exemplary embodiment. Hereinafter, since operations 500 to 565 included in FIG. 7 are the same as operations 500 to 565 described above with reference to FIG. 5 , a detailed description thereof will be omitted in FIG. 7 .

Referring to FIG. 7 , in operation 710 , the buyer discovers a defect in the item delivered from the seller, and transmits a defective item type return request to the delivery company server 240 using the buyer terminal 220 .

In operation 720, the delivery company server 240 may process a return procedure such as designating a point for processing the return business, and then communicate with the delivery person terminal to confirm the return completion.

In operation 730 , the seller may confirm a defect on the returned goods, and transmit a return decision to the smart contract 335 through the seller terminal 210 .

In operation 740, when the smart contract 335 receives the product defect type return decision from the seller terminal 210, the entire amount of coins corresponding to the transaction amount remitted in advance to the seller's wallet address can be returned to the buyer's wallet address. have. In operation 740, the smart contract 335 may remit the return fee from the coins deposited by the seller to the wallet address of the delivery company or the account number of the delivery company.

In operation 750 , the transaction platform server 230 may lower the seller's credit score (eg, set the seller's credit score to be lower than or equal to the specified score), and set the buyer's credit score to be higher than or equal to the specified score.

In operation 760, the transaction platform server 230 may record the credit information of the buyer and the credit information of the seller including the set purchase points in the block chain.

8 is a flowchart illustrating a transaction brokerage method according to a delivery problem according to an embodiment.

Referring to FIG. 8 , in operation 810 , the smart contract 335 may check whether delivery information is received within a first threshold time (eg, 24 hours) after coin remittance related to the goods transaction. For example, the smart contract 335 transfers the coin corresponding to the transaction amount from the buyer's wallet address to the seller's wallet address within 24 hours after remittance in a state with withdrawal restrictions, the transaction platform server 230 or the seller terminal 210 You can check whether delivery information is received from

In operation 810, if it is confirmed that delivery information is not received within a first threshold time (eg, 24 hours) after coin remittance, in operation 820, the smart contract 335 sends a delivery information request to the seller terminal 210 a specified number of times can send

In operation 830 , the smart contract 335 may check whether delivery information is received within a second threshold time after transmitting the delivery information request to the seller terminal 210 a specified number of times.

If, in operation 830, the smart contract 335 confirms that the delivery information has not been received within the second threshold time after transmitting the delivery information request to the seller terminal 210 a specified number of times, in operation 840, the transaction platform server 230 You can send a transaction cancellation request to In this case, the transaction platform server 230 may lower the credit score of the seller and record the credit information (including the credit score) of the seller set down in the block chain.

If the smart contract 335 confirms that delivery information has been received within a first threshold time (eg, 24 hours) after coin remittance in operation 810, in operation 850, the delivery information is stored in the blockchain in relation to the remitted coin. can

9 is a flowchart of a transaction brokerage method according to a coin remittance problem according to an embodiment.

Referring to FIG. 9 , in operation 910 , the smart contract 335 receives delivery information from the transaction platform server 230 or the seller terminal 210 , and in operation 920 , a transaction from the buyer's wallet address to the seller's wallet address You can check whether the coin corresponding to the amount has been transferred.

If the smart contract 335 confirms that the coin corresponding to the transaction amount is not transferred to the seller's wallet address in operation 920, in operation 930, another coin transfer request for requesting a coin transfer related to the goods transaction to the buyer It can be transmitted a specified number of times to the purchaser terminal 220 .

In operation 940, the smart contract 335 may check whether a coin corresponding to the transaction amount is remitted within a threshold time (third threshold time) after transmitting another coin remittance request a specified number of times.

If, in operation 940, the smart contract 335 confirms that the coin corresponding to the transaction amount has not been remitted within a threshold time (third threshold time) after transmitting another coin remittance request a specified number of times, in operation 950, the delivery company server You may request cancellation of delivery at (240).

When the smart contract 335 confirms that the coin corresponding to the transaction amount has been transferred from the buyer's wallet address to the seller's wallet address in operation 920, in operation 960, the smart contract 335 blocks the delivery information in relation to the remitted coin. can be stored on the chain.

It should be understood that the various embodiments of this document and the terms used therein are not intended to limit the technical features described in this document to specific embodiments, and include various modifications, equivalents, or substitutions of the embodiments. In connection with the description of the drawings, like reference numerals may be used for similar or related components. The singular form of the noun corresponding to the item may include one or more of the item, unless the relevant context clearly dictates otherwise. As used herein, "A or B", "at least one of A and B", "at least one of A or B", "A, B or C", "at least one of A, B and C" and "A; Each of the phrases "at least one of B, or C" may include any one of, or all possible combinations of, items listed together in the corresponding one of the phrases. Terms such as “first”, “second”, or “first” or “second” may simply be used to distinguish the component from other components in question, and may refer to components in other aspects (e.g., importance or order) is not limited. It is said that one (eg, first) component is "coupled" or "connected" to another (eg, second) component, with or without the terms "functionally" or "communicatively". When mentioned, it means that one component can be connected to the other component directly (eg by wire), wirelessly, or through a third component.

As used herein, the term “module” may include a unit implemented in hardware, software, or firmware, and may be used interchangeably with terms such as, for example, logic, logic block, component, or circuit. A module may be an integrally formed part or a minimum unit or a part of the part that performs one or more functions. For example, according to an embodiment, the module may be implemented in the form of an application-specific integrated circuit (ASIC).

Various embodiments of the present document include software (eg, a storage medium (eg, internal memory or external memory) stored in a readable storage medium (eg, internal memory or external memory)) including one or more instructions by a machine (eg, transaction intermediary device 300). For example, it can be implemented as a program). For example, the processor (eg, the processor 330 ) of the device (eg, the transaction intermediary device 300 ) may call at least one of the one or more instructions stored from the storage medium and execute it. This makes it possible for the device to be operated to perform at least one function according to the at least one command called. The one or more instructions may include code generated by a compiler or code executable by an interpreter. The device-readable storage medium may be provided in the form of a non-transitory storage medium. Here, 'non-transitory' only means that the storage medium is a tangible device and does not contain a signal (eg, electromagnetic wave), and this term is used in cases where data is semi-permanently stored in the storage medium and It does not distinguish between temporary storage cases.

According to one embodiment, the method according to various embodiments disclosed in this document may be provided in a computer program product (computer program product). Computer program products may be traded between sellers and buyers as commodities. The computer program product is distributed in the form of a machine-readable storage medium (eg compact disc read only memory (CD-ROM)), or via an application store (eg Play Store ^TM ) or on two user devices ( It can be distributed (eg downloaded or uploaded) directly, online between smartphones (eg: smartphones). In the case of online distribution, at least a part of the computer program product may be temporarily stored or temporarily created in a machine-readable storage medium such as a memory of a server of a manufacturer, a server of an application store, or a relay server.

According to various embodiments, each component (eg, a module or a program) of the above-described components may include a singular or a plurality of entities. According to various embodiments, one or more components or operations among the above-described corresponding components may be omitted, or one or more other components or operations may be added. Alternatively or additionally, a plurality of components (eg, a module or a program) may be integrated into one component. In this case, the integrated component may perform one or more functions of each component of the plurality of components identically or similarly to those performed by the corresponding component among the plurality of components prior to the integration. . According to various embodiments, operations performed by a module, program, or other component are executed sequentially, in parallel, repeatedly, or heuristically, or one or more of the operations are executed in a different order, or omitted. or one or more other operations may be added.

Claims (16)

In the smart contract-based online transaction brokerage device,
a communication circuit capable of communicating with the buyer terminal, the seller terminal, and the transaction platform server;
a memory for storing instructions for executing a smart contract; and
a processor operatively coupled to the communication circuitry and the memory;
The smart contract, when executed, the processor,
Upon receiving a coin remittance request including the transaction amount related to the goods transaction, the buyer's wallet address and the seller's wallet address from the buyer terminal, a coin corresponding to the transaction amount from among the coins deposited in the buyer's wallet address is sent to the seller remittance to the wallet address of
Upon receiving a request for registration of delivery information related to the goods transaction from the seller terminal or the transaction platform server, the delivery information is stored in a block chain including the memory,
When a decision to purchase an item related to the delivery information is received from the purchaser terminal, the withdrawal restriction of the remitted coin is released,
The smart contract, in order to process the return according to the seller's non-transmission of shipping information, when executed, the processor
remitting a coin corresponding to the transaction amount from the buyer's wallet address to the seller's wallet address and confirming that the delivery information is received;
If the delivery information is not received within the first threshold time after remittance of the coin, a delivery information request is transmitted to the purchaser terminal a specified number of times, and a second threshold time from after the delivery information request is transmitted a specified number of times - the In the second threshold time, if delivery information is not received within the first threshold time, a cancellation request is sent to the trading platform server;
returning the coins transferred to the wallet address of the seller from the wallet address of the seller to the wallet address of the buyer,
Upon receiving the credit information of the down-regulated seller from the transaction platform server, the down-regulated merchant credit information is stored in the block chain,
The smart contract, in order to process the purchaser's non-remittance of coins, when executed, the processor,
Upon receiving the delivery information, it is confirmed whether a coin corresponding to the transaction amount is deposited in the wallet address of the seller,
If the deposit of the coin corresponding to the transaction amount is not completed, a coin remittance request corresponding to the transaction amount is transmitted to the purchaser terminal a specified number of times, and the coin remittance request is transmitted to the purchaser terminal a specified number of times. 3 Additional confirmation that the coin corresponding to the transaction amount is remitted within the threshold time,
If the remittance of the coin corresponding to the transaction amount is not confirmed within the third threshold time, a request to cancel the delivery of the goods is transmitted to the delivery company server,
When receiving the down-regulated credit information of the buyer from the transaction platform server, store the down-adjusted credit information of the buyer in the block chain,
The smart contract, in order to process the return, the processor at the time of execution,
If the purchase decision related to the delivery information is not received from the buyer terminal and a return decision related to the delivery information is received from the seller terminal, check the return type included in the return decision,
If the confirmed return type is the buyer's negligence, return the above remitted coins, excluding the return fee, to the buyer's wallet address and remit the return fee to the shipping company's wallet address;
If the confirmed return type is the seller's negligence, to return the entire amount of the remitted coins to the buyer's wallet address
An online transaction intermediary device featuring a.
delete delete delete delete delete delete delete delete As an online transaction brokerage method by a smart contract-based online transaction brokerage device,
Upon receiving a coin remittance request including the transaction amount related to the goods transaction, the buyer's wallet address, and the seller's wallet address from the buyer terminal, a coin corresponding to the transaction amount from among the coins deposited in the buyer's wallet address is transferred to the seller. remittance to a wallet address, and setting the remittance coin to limit withdrawal;
Upon receiving a request for registration of delivery information related to the transaction of the goods from the seller terminal or the transaction platform server, the delivery information is storing in a blockchain including memory; and
when a decision to purchase an item related to the delivery information is received from the purchaser terminal, canceling the withdrawal restriction of the remitted coin;
In order to process the return due to the seller's non-transmission of shipping information,
transmitting a coin corresponding to the transaction amount from the buyer's wallet address to the seller's wallet address and confirming whether the delivery information is received;
If the delivery information is not received within the first threshold time after remittance of the coin, a delivery information request is transmitted to the purchaser terminal a specified number of times, and a second threshold time from after the delivery information request is transmitted a specified number of times - the sending a cancellation request to the trading platform server if delivery information is not received within the second threshold time for more than the first threshold time;
returning the coins transferred to the wallet address of the seller from the wallet address of the seller to the wallet address of the buyer; and
storing credit information of the down-regulated seller in a block chain upon receiving the down-regulated credit information of the seller from the transaction platform server;
In order to process the non-remittance of the coin by the purchaser,
upon receiving the delivery information, confirming whether a coin corresponding to the transaction amount has been deposited into a wallet address of the seller;
If the deposit of the coin corresponding to the transaction amount is not completed, a coin remittance request corresponding to the transaction amount is transmitted to the purchaser terminal a specified number of times, and the coin remittance request is transmitted to the purchaser terminal a specified number of times. 3 The operation of further confirming whether the coin corresponding to the transaction amount is remitted within a threshold time;
transmitting a request to cancel product delivery to the delivery company server if the remittance of the coin corresponding to the transaction amount is not confirmed within the third threshold time; and
When receiving the down-adjusted credit information of the buyer from the transaction platform server, storing the down-adjusted credit information of the buyer in the block chain;
To carry out processing for returns;
checking a return type included in the return decision when a decision to purchase the product related to the delivery information is not received from the buyer terminal and a return decision related to the delivery information is received from the seller terminal;
If the confirmed return type is the buyer's negligence, returning coins excluding the return fee among the remitted coins to the buyer's wallet address and remitting the return fee to the shipping company's wallet address;
If the confirmed return type is the seller's negligence, returning the entire amount of the remitted coins to the buyer's wallet address;
Online transaction intermediary device comprising a.
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