KR102536068B1 - Method and system of virtual currency payment based on mitigation of virtual currency value fluctuation - Google Patents

Abstract

When using a designated cryptocurrency or digital currency through an agreement with affiliated card service companies such as prepaid and postpaid cards, the value of the designated currency is calculated in consideration of the volatility of the virtual currency to solve problems caused by volatility and the payment ecosystem of the designated currency A virtual currency payment method and system for constructing are provided. The method includes the steps of, by a trading platform server, dividing a first period into a second period and setting n intervals; calculating, by the trading platform server, an exchange value based on a transaction price of a virtual currency of an exchange during a k th section belonging to the n sections; and when the transaction platform server intends to make a payment using the virtual currency during the k+1th period, proceeding with the payment using the calculated exchange value as the value of the virtual currency.

Description

Virtual currency payment method and system based on mitigating fluctuations in the value of virtual currency

The present invention relates to a virtual currency payment method and system based on mitigating fluctuations in the value of virtual currency. Specifically, when using a designated cryptocurrency or digital currency through an agreement with an affiliated card service company, such as a prepaid card or a postpaid card, the value of the designated currency is calculated in consideration of the volatility of the virtual currency to solve the problem caused by volatility and the designated currency It relates to a virtual currency payment method and system for building a payment ecosystem.

More specifically, in building an ecosystem where consumers can pay with virtual assets such as cryptocurrencies in the real economy, the process of paying through designated cryptocurrencies, digital currencies, other affiliated cards, disaster subsidies, traditional market gift certificates, etc. It is about how to mitigate the volatility of virtual assets in

Money that does not have a real object such as banknotes or coins and remains in the form of information on a computer or the like and is traded only in cyberspace is collectively referred to as virtual currency or virtual asset. Virtual currency (or virtual asset) is also referred to as virtual currency, etc. according to the way it is implemented or according to policies or classification standards.

Virtual currency can be roughly divided into digital currency and cryptocurrency. Electronic money has the characteristics of a centralized currency controlled by a government, a central bank, or a specific issuer. On the other hand, unlike general money or electronic money issued by the government or central bank, cryptocurrency or cryptocurrency has its rules and values set according to the rules set by the person who first devised it. In addition, it is characterized by distribution based on blockchain technology without the government or central bank managing transaction details. In other words, cryptographic currency involves encryption technology in the issuance and transaction approval process and has characteristics as a decentralized currency.

Blockchain technology or blockchain security technology is a distributed data storage technology that puts data in blocks, connects them in a chain form, and replicates and stores them on numerous computers at the same time. known as technology. Transaction details are disclosed to all participants in the transaction rather than a centralized server, and data forgery or falsification cannot be prevented through information sharing and comparison between participants whenever a transaction occurs. Blockchain technology is being used in virtual currency, especially in the field of cryptocurrency, due to the above advantages.

In addition, cryptocurrencies can be largely classified into coins or tokens. In general, if you own an independent blockchain network, it is referred to as a coin, and an ERC20-based cryptocurrency without owning an independent blockchain network is also classified as a token.

A typical cryptocurrency is Bitcoin, which was first developed in 2009, and there are more than 2,000 other known cryptocurrencies. However, as mentioned above, since cryptocurrency is distributed based on blockchain technology without the government or central bank being involved in transaction details, the government does not guarantee value or payment. As a result, cryptocurrencies have high value volatility and are difficult to use in actual transactions.

For example, according to longhash, a cryptocurrency analysis company, it has been reported that more than 1,000 out of 2,500 known cryptocurrencies have been culled. It was analyzed that users did not find the reason for the existence of cryptocurrency to account for the highest proportion as the cause. In other words, it is difficult to expect steady participation from users simply by functioning as a means of accumulating assets without using cryptocurrency.

Meanwhile, in Korea, the 「Act on the Reporting and Use of Specific Financial Transaction Information」, which has been amended to promote virtual asset trading such as virtual currency including cryptocurrencies, is about to be enforced on March 25, 2021. The above revised law has the meaning that the concept of virtual assets is specified in the law and included in the regulation for the first time in Korea. As a result, it is predicted that the virtual asset market and trading system such as cryptocurrency will undergo a major overhaul, and actual transactions using cryptocurrency are expected to occur actively.

Korean Patent Registration No. 10-1543222, financial transaction relay system linked with phone number and its processing method

As mentioned above, it may not be an exaggeration to say that the continuation of virtual currency including cryptocurrency depends on leading to steady practical use of cryptocurrency. In particular, it is expected that the volatility of the value of cryptocurrency will be resolved by recognizing the potential unique value embodied in virtual and intangible currency from users' interest in virtual currency and actual transactions using it, rather than regulating it through policy.

However, the existing virtual currency is limited to use as a means of speculation or accumulation of assets. This can be found in a reverse cycle structure in which the actual use of virtual currency is difficult due to the volatility of virtual currency, which leads to value loss due to the undervaluation of virtual currency. Therefore, the inventors of the present invention propose the present invention, focusing on the fact that it is possible to develop a sustainable virtual currency by arousing the user's need to use virtual currency.

That is, the problem to be solved by the present invention is to provide a virtual currency payment method based on mitigating fluctuations in the value of virtual currency.

Another problem to be solved by the present invention is to provide a virtual currency payment system based on mitigating fluctuations in the value of virtual currency.

The tasks of the present invention are not limited to the technical tasks mentioned above, and other technical tasks not mentioned will be clearly understood by those skilled in the art from the following description.

Virtual currency payment method according to an embodiment of the present invention for solving any of the above problems, the trading platform server, dividing the first period into a second period to set n intervals; calculating, by the trading platform server, an exchange value based on a transaction price of a virtual currency of an exchange during a k th section belonging to the n sections; and when the transaction platform server intends to make a payment using the virtual currency during the k+1th period, proceeding with the payment using the calculated exchange value as the value of the virtual currency.

Setting the n number of intervals may further include setting the first period to a fixed value.

In addition, the setting of the n sections may include setting the second period based on a fluctuation range of a trading price of a virtual currency of an exchange during a previous first period.

In this case, the variation range and the second period may be in inverse proportion to each other.

The calculating of the exchange value may include dividing the k period based on a predetermined period, and obtaining an average by selecting one of the open price, closing price, high price, and low price of the transaction details of the virtual currency for each period. there is.

Also, calculating the exchange value may include obtaining an average unit price based on the transaction amount and transaction amount of the transaction details of the virtual currency during the k period.

In the virtual currency payment system according to an embodiment of the present invention for solving any of the above problems, the transaction platform server receives a payment request including a first payment method and a second payment method from the user and proceeds with the payment. doing; and paying, by the transaction platform server, a settlement amount to the seller after excluding a certain percentage of the transaction amount as a fee.

In this case, at least one of the first payment method and the second payment method may be a virtual currency, and the fee may be one or more currencies excluded from the first payment method or the second payment method according to the seller's selection.

Other embodiment specifics are included in the detailed description.

According to the embodiments of the present invention, the next section is divided into sub-sections based on the volatility of the entire section, and payment is induced with a constant value in each sub-section to reduce the disadvantages of consumers and sellers due to the volatility of virtual currency. can make it

Effects according to the embodiments of the present invention are not limited by the contents exemplified above, and more diverse effects are included in the present specification.

1 is a schematic diagram of a virtual currency payment system according to an embodiment of the present invention.
2 is a graph showing price fluctuations of bitcoins traded on any virtual currency exchange.
3 to 8 are views for explaining a method of mitigating price fluctuations of virtual currency according to an embodiment of the present invention.
10 to 15 are diagrams for explaining the case of using the virtual currency proposed in the present invention as a payment method.
16 is a hardware configuration diagram of a virtual currency payment system according to an embodiment of the present invention.

Advantages and features of the present invention, and methods of achieving them, will become clear with reference to the detailed description of the following embodiments taken in conjunction with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but will be implemented in a variety of different forms, and only the embodiments make the disclosure of the present invention complete, and those skilled in the art in the art to which the present invention belongs It is provided to fully inform the person of the scope of the invention, and the invention is only defined by the scope of the claims. That is, various changes may be made to the embodiments provided by the present invention. The embodiments described below are not intended to be limiting on the embodiments, and should be understood to include all modifications, equivalents or substitutes thereto.

Unless otherwise defined, all terms (including technical and scientific terms) used in this specification may be used in a meaning commonly understood by those of ordinary skill in the art to which the present invention belongs. In addition, terms defined in commonly used dictionaries are not interpreted ideally or excessively unless explicitly specifically defined.

In this specification, 'and/or' includes each and every combination of one or more of the recited items. In addition, singular forms also include plural forms unless otherwise specified in the text. As used herein, 'comprises' and/or 'comprising' does not exclude the presence or addition of one or more other elements other than the recited elements. A numerical range expressed using 'to' indicates a numerical range including the values listed before and after it as the lower limit and the upper limit, respectively. 'About' or 'approximately' means a value or range of values within 20% of the value or range of values set forth thereafter.

1 is a schematic diagram of a virtual currency payment system 10 according to an embodiment of the present invention.

Referring to FIG. 1 , the virtual currency payment system 10 according to this embodiment includes a cryptocurrency system 100 and a transaction platform subject 200, and may further include a third institution 300.

The cryptocurrency system 100 may include a system for generating, trading, and/or distributing cryptocurrency based on blockchain technology. In the transaction platform entity 200, a plurality of entry companies 210 and 220 may enter the transaction platform entity 200 and sell their products to consumers 260, 270 and 280.

In addition, the transaction platform entity 200 may be interlocked with a third organization 300 that works for environmental protection. Specifically, it may be the United Nations (UN) that supervises the carbon credit project. The cryptocurrency system 100, consumers 260, 270, and 280, and vendors 210 and 220 can contribute to environmental protection through the third party 300 through the transaction platform subject 200.

In FIG. 1, New Earth Coin (NEC), a white paper of which was released in the second half of 2020, is shown as a virtual currency, but it goes without saying that the present invention is not limited thereto. That is, the virtual currency of the cryptocurrency system 100 may be an existing virtual currency such as Bitcoin, Ethereum, Ripple, in addition to New Earth Coin. For better understanding of the present invention, the virtual currency used in the payment system of the present invention will be referred to as a 'designated coin'.

2 is a graph showing price fluctuations of bitcoins traded on any virtual currency exchange.

The graph in FIG. 2 is a graph showing the price change from 06:00 on January 06, 2021 to 12:00 on January 07, 2021 with a 30-minute bar. As of 12:00 on January 7, 1 bitcoin is being traded on the virtual currency exchange at an amount of KRW 41.52 million. It is a graph of price fluctuations between about 18 hours. Looking at the graph, the lowest price has gone below 35 million won between 12:00 and 18:00 on the 06th, and the highest price has gone up to 42 million won between 06:00 and 12:00 on the 07th.

Looking at the rate of price change, the amount of more than 7 million won rose in one day based on 35 million won, and 7 million won is equivalent to 20% of 35 million won. In a situation where the price of Bitcoin fluctuates by more than 20% in a day, virtual currency called Bitcoin may be attractive as an investment product, but it is inevitably difficult to use it as a commodity with exchange value.

Even if someone wants to use Bitcoin as a commodity with exchange value worthy of the name of virtual currency, it is difficult to use it when the price fluctuates from time to time with a high volatility. For example, if the value of bitcoin changes between the time a contract is concluded and the time the transaction amount is paid in bitcoin, it becomes difficult to pay the transaction amount in bitcoin.

At the time of signing the contract, there was a contract to pay 1 bit coin to pay the amount of 35 million won, but if 1 bit coin rises to 42 million won in less than a day, at the time of actual bitcoin remittance, 35 million won 0.83 Bitcoin is sufficient, so contract termination may occur, and the transaction itself becomes unstable.

This is a problem with most virtual currencies now, and it is also the reason why virtual currencies are still not treated as more than goods with investment value. In other words, there are many negative views on virtual currency due to the fact that it is difficult to use virtual currency in real life except for the purpose of profit margin according to price fluctuations on the exchange. The name is not used as virtual currency or currency.

In order to overcome such a problem and utilize virtual currency as a commodity having an actual exchange value, that is, to use virtual currency as a means of payment, it is necessary to mitigate price fluctuations. In other words, even if the price of virtual currency soars or plummets in real time on the exchange, by preparing a device that can mitigate it at the time of transaction using virtual currency, it is possible to secure the exchange value of virtual currency and use virtual currency as a payment method. You need to find a way out.

3 to 8 are views for explaining a method of mitigating price fluctuations of virtual currency according to an embodiment of the present invention.

3 is a simplified graph showing price fluctuations of designated coins. That is, the price at which the specified coin is traded on the exchange is displayed in a unit of a certain time (eg, the first three sections, in units of one hour). For example, when the trading price of a designated coin traded on the virtual currency exchange in an hourly unit is displayed, 40 won -> 30 won -> 20 won -> 10 won -> 20 won -> 30 won -> 20 won - > Assume that the price changes in the order of 30 won -> 20 won -> 30 won -> 40 won -> 50 won.

Assuming that each square is 1 hour, the lowest price of the designated coin's trading price for a total of 12 hours is 10 won and the highest price is 50 won. Based on the lowest price of 10 won, the amount increased by 40 won. This is a price change of 400%, and in this situation, it may be difficult to use the designated coin as a payment method.

In order to mitigate this range of fluctuation, we propose a method of dividing the value of a designated coin into a certain range and fixing it. For example, dividing the interval by 4 hours and fixing the average value of the transaction price of the designated coin in a specific interval as the exchange value of the designated coin in the next interval.

In the example of FIG. 3 , in the first period (eg, the first sub-period), the price of the designated coin changes in the order of 40 won -> 30 won -> 20 won -> 10 won for 4 hours. If we average this out, we get a value of (40+30+20+10)/4 = 25. Since the average of the transaction prices of the designated coins in the first section is 25 won, this is determined as the exchange value for the next 4 hours. That is, in the system for payment using the designated coin during the second period, the value of the designated coin is fixed at 25 won and the payment is made.

In the second section of FIG. 3 (eg, the second subsection), the price of the designated coin fluctuates in the order of 20 won -> 30 won -> 20 won -> 30 won for 4 hours. If we average this, we get (20+30+20+30)/4 = 25. Since the average of the transaction prices of the designated coins in the second section is 25 won, this is determined as the exchange value for the next 4 hours. That is, in the system for payment using the designated coin during the third section, the value of the designated coin may be fixed at 25 won to proceed with the payment.

In the third section of FIG. 3 (eg, the third subsection), the price of the designated coin fluctuates in the order of 20 won -> 30 won -> 40 won -> 50 won for 4 hours. If we average this, we get (20+30+40+50)/4 = 35. Since the average of the transaction prices of the designated coins in the third section is 35 won, this is determined as the exchange value for the next 4 hours. That is, in the system for payment using the designated coin during the fourth period, the value of the designated coin may be fixed at 35 won to proceed with the payment.

In this way, if the section is divided and the average value is obtained and fixed as the exchange value of the designated coin in the next section, the exchange value of the designated coin is 25 won while the designated coin changes from 40 won to 10 won and then to 50 won. It can be seen that it is maintained without significant change in the order of 25 won -> 35 won. When the volatility of the exchange value is reduced in this way, the designated coin can be used as a payment method.

In FIG. 3, the idea of fixing the average value of the exchange price in the nth section to the exchange value in the n+1th section is shown in a table as shown in FIG. 4. Referring to FIG. 4, after averaging the price and exchange price of designated coins exchanged on the exchange from 00:01 to 04:00, the first section, 25, the average value, is fixed as the exchange value of the second section, and it is disclosed. , payment is made based on the published exchange value.

Similarly, from 04:01 to 08:00 in the second section, the price of designated coins exchanged at the exchange and the exchange price are averaged, the average value of 25 is fixed as the exchange value in the third section, and after this is announced, the announced exchange value Payment is made on the basis of

Likewise, the price of designated coins exchanged on the exchange and the exchange price are averaged between the third period from 08:01 to 12:00, and the average value, 35, is fixed as the exchange value of the fourth period, and after this is announced, the announced exchange value Payment is made based on

After that, the specific city was omitted from the fourth section (eg, the fourth subsection), but as above, if one section is a 4-hour unit, 24 hours a day (eg, the major section) is divided into 6 sections, and the above The same process can be repeated.

In this way, when the exchange price of the designated coin is divided into specific intervals and averaged, the exchange value is characterized by being dull due to the nature of the average even if the price of the designated coin on the exchange repeatedly rises and falls. In this way, the stability of the exchange value of virtual currency is secured by mitigating the fluctuation range of the exchange value compared to the exchange price, and through this, the virtual currency can be used as one of the payment methods.

3 and 4 explain the basic idea of the present invention as simplified as possible, and in the process of actually applying it, we encounter the following problems. So, how should we divide the intervals? And how do we get that number expressed as the average value? It's a problem.

5 to 7 are diagrams for explaining a method of dividing a section to mitigate price fluctuations of virtual currency according to an embodiment of the present invention. In FIGS. 3 and 4 , we proposed fixing the amount obtained by mitigating the price of virtual currency, which changes every moment in the exchange, as an exchange value and using it within the payment system. At this time, we need to think about how to divide the interval.

The idea of mitigating the exchange price and using it as exchange value is good, but if there is a large gap between them, it is difficult to achieve effective exchange value. For example, if it is currently trading at 70-80 won on the exchange, but the exchange value is 10 won in the payment system, no one will want to use the designated coin in the payment system. This is because it is much more profitable to sell 1 designated coin at an exchange for 70-80 won than to use 1 designated coin at a value of 10 won within the payment system.

Due to the nature of the average, the larger the range, the greater the mitigation of fluctuations, but the higher the possibility that the difference between the current exchange price and the exchange value will increase. Conversely, the smaller the interval, the smaller the mitigation of the volatility, and the less likely it is that the difference between the exchange value and the current exchange price will increase. However, if the range is too small, the exchange value also fluctuates greatly, making it difficult to use the designated coin as a payment method. This characteristic of intervals has similar characteristics to moving averages on trading charts.

Moving Average is an abbreviation for moving average and is one of the basic tools used in technical analysis in stock and derivative markets. It can be applied in various fields such as transaction amount, trading price, and stock price. The purpose is to help current trading and future forecasting by identifying phenomena (mainly trends) in past average values.

For example, the 10-day moving average is a line that displays the average value of the stock price for the past 10 days as a dot every day and continues to display them. Trend trading can be determined by how wide the gap is between the moving average and the current stock price. What direction can the moving average line find if the average of past values is calculated? From this assumption, the moving average line appeared.

Previously, looking again at the graph between 00:00 and 12:00 on January 06 in FIG. 2, it is as shown in FIG. If you look at it, you can see that a 30-minute graph is shown in the form of a candlestick chart, and there are two lines marked in red and green below it. The red line is the 5-period moving average, and the green line is the 20-period moving average.

The average price of the 5 sections before 12:00, that is, the price up to 2 hours and 30 minutes before 30 minutes, is displayed in red, and the 20 sections before 12:00, that is, 10 hours in 30 minutes The average of the prices up to the previous interval is indicated in light green. As can be seen in the red and light green graphs, when the price of Bitcoin rises sharply, the red 5-section moving average first follows the current exchange price, followed by the 20-section moving average slowly following it.

Three horizontal lines are displayed based on 13:00, the second 30-minute mark from 12:00. The orange horizontal line is the highest price of 40 million won, the red horizontal line is 38 million won, the value of the moving average of 5 sections based on 13:00, and the green horizontal line is 36 million won, which is the value of the moving average of 20 sections based on 13:00. As can be seen in FIG. 5, the moving average line of 20 sections, which has a large section for averaging, shows a difference of about 4,000-3,600 = 4 million won compared to the highest price at 13:00. Conversely, the 5-section moving average line, which has a small section, shows a difference of about 4,000-3,800 = 2 million won compared to the 13:00 peak.

Depending on whether the interval is set to be large or small, the degree of mitigation of price fluctuations and the degree of reflection of the current price may vary. Therefore, it is necessary to adaptively set the size of dividing sections according to the range of fluctuation. That is, in a situation where the price fluctuation of the virtual currency is large, the section is divided into small sections, and in a situation where the price fluctuation is small, the section is divided into large sections.

6 is an example of adaptively setting a period according to a price change of a designated coin. As can be seen in FIG. 6, various ranges to be applied for the next day can be applied based on the price fluctuation range of the previous day.

For example, if the fluctuation range of the virtual currency price on the previous day (eg, between the first subdivision, 24 hours) is between 0% and ±5%, the next day (eg, between the second subdivision, 24 hours) is divided into 6 hour units. By splitting it into four sections on a daily basis, the exchange value can be fixed and disclosed in advance. If the fluctuation range of the virtual currency price on the previous day is between ±5% and ±10%, the exchange value can be fixed and disclosed by dividing the interval into 4 hour units and 6 segments on a daily basis.

If the fluctuation range of the virtual currency price of the previous day is between ±10% and ±20%, the exchange value can be fixed and disclosed by dividing the interval into 3 hour units and 8 segments on a daily basis. If the fluctuation range of the virtual currency price of the previous day is between ±20% and ±30%, the exchange value can be fixed and disclosed by dividing the interval by 2 hours and dividing it into 12 intervals on a daily basis.

If the fluctuation range of the virtual currency price on the previous day is between ±20% and ±30%, the exchange value can be fixed and disclosed by dividing the interval by 1 hour and into 24 intervals on a daily basis. If the fluctuation range of the virtual currency price of the previous day is more than ±30%, the exchange value can be fixed and disclosed by dividing the interval into 30-minute intervals and dividing it into 48 intervals on a daily basis.

However, the table of FIG. 6 is an example to help understanding of the invention, and it may be possible to set the range of fluctuations and the unit of the section in various ways. At this time, applying the interval on a daily basis is to increase the predictability of the exchange value. In other words, based on midnight at 00:00, the fluctuation range of the previous day is calculated, and the standard interval unit applied to the day is disclosed. For example, at 00:00 midnight, the exchange value of the designated coin is announced every 6 hours today, and the exchange value of the previous 6 hours at 00:00, 06:00, 12:00, and 18:00 is to be announced as

However, it is not necessary to divide the interval into daily units. For example, it is possible to disclose how to divide the intervals in 12-hour increments. Alternatively, it is also possible to disclose how to divide the intervals on a weekly or monthly basis. That is, whether or not to divide a section based on the second period may be announced for each first period, and the first period may also be set adaptively.

In FIG. 6 , the first period is one day, and the second period may be dynamically varied according to the fluctuation range of exchange prices one day before. In another example, the first period is 12 hours, and the second period may be dynamically varied according to the range of exchange price fluctuations during the previous 12 hours. In this way, how to apply the interval according to the second period may be disclosed for each first period.

7A is an example of setting the period of the first day, and FIG. 7B is an example of setting the period of the second day.

Referring to FIG. 7 , an example of a case in which the first period and the second period are variously applied over 1 day, 2 days, and 2 days can be seen. The first period may be a fixed value, a value may be dynamically changed, or the first period may be omitted altogether.

For example, in case A, the first period is 24 hours. In a 24-hour cycle, the second period is announced in consideration of the fluctuations of the previous date. In the first set, the second period is 6 hours, and one day is divided into 4 sections from 1-1 to 1-4. At 00:00 on the first day, an announcement such as “Today, the fixed value will be announced by dividing it into 4 sections in 6-hour increments.” In the second set, it can be seen that the second period is 4 hours, and the second day is divided into six sections from 2-1 to 2-6. At 00:00 on the second day, an announcement such as “Today, the fixed value will be announced by dividing it into 6 sections in 4-hour increments”.

For another example, in case B, the first period is 12 hours. The second period is disclosed every 12 hours in consideration of the fluctuations of the previous date. In the first set, it can be seen that the second period is 4 hours and is divided into three sections from 1-1 to 1-3. At 00:00 on the first day, an announcement such as “This morning, the fixed value will be announced by dividing it into 3 sections in 4-hour increments”. In the second set, it can be seen that the second period is 3 hours divided into 4 sections from 2-1 to 2-4. At 12:00 on the first day, announcements such as “This afternoon, the fixed value will be announced by dividing it into 4 sections in 3-hour increments”. In the third set, it can be seen that the second period is 6 hours divided into two sections from 3-1 to 1-2. At 00:00 on the second day, an announcement such as “This morning, the fixed value will be announced by dividing it into two sections in 6-hour increments.” In the 4th set, you can see that the second period is 2 hours divided into 6 sections from 4-1 to 4-6. At 12:00 on the second day, an announcement such as "This afternoon, fixed values will be announced in 6 sections divided into 2-hour increments."

For another example, in case C, it can be seen that the first period fluctuates. In the first set, the first time unit is 24 hours, in the second set, the first time unit is 10 hours, and in the third set, the first period is 14 hours. In the first set, it can be seen that the second period is 8 hours and is divided into three sections from 1-1 to 1-3. At 00:00 on the first day, announcements such as “Today, the fixed value will be announced by dividing it into three sections in 8-hour increments.” In the second set, the second period is 5 hours, and it can be seen that the time from 00:00 to 10:00 on the second day is divided into two sections from 2-1 to 2-2. At 00:00 on the second day, an announcement such as “The fixed value will be announced by dividing it into two sections in 5-hour increments until 10:00 today.” In the third set, the second period is 2 hours, and the time from 10:00 to 24:00 on the second day is divided into 7 sections from 3-1 to 3-7. At 10:00 on the second day, an announcement such as “The fixed value will be announced by dividing it into 7 sections in 2-hour increments until 24:00 today.”

For another example, in case D, it can be seen that there is no first period at all. There are various sets from 1 set to 9 sets, but since the first time unit is 0, it can be seen that the intervals are not divided according to the second period, and there is only one interval for each set. 1st set is 6 hours and 1 section, 2nd set is 3 hours and 1 section, 3rd set is 6 hours and 1 section and 4th set is 9 hours and 1 section. Four sets were played on the first day, but since the first period is 0, there is only one section per set. 5th set is 6 hours, 1 section, 6th set is 4 hours, 1 section, 7th set is 7 hours, 1 section, 8th set is 4 hours, 1 section, 9th set is 3 hours, 1 section has 1 section. Five sets were played on the second day, but since the first period is 0, there is only one section per set.

In general, the first period may be a fixed value of 24 hours or 12 hours as in case A or case B. However, as in the case of C, the first period may be dynamically changed. In this case, as a criterion for changing the first period, for example, the amount of payment may be used. For example, the first period may be set large during the nighttime period when payment is low, and the first period may be set small during the daytime period when payment is high. During the night time period when payment is low, it is okay to be less sensitive to price fluctuations on the exchange, so the first period can be set large, and during the daytime when payment is high, the first period can be set small to be more sensitive to price changes on the exchange. there is.

Alternatively, just as the second period varies according to the fluctuation range of the exchange price, the first period may also vary according to the fluctuation range of the exchange price. During one set of time, the exchange may determine and disclose two sets of first periods according to the range of price fluctuations, and during the second set of time, the exchange may determine and disclose three sets of first periods according to the range of price fluctuations.

In this way, by dividing the interval according to the first period and the second period and fixing the exchange value of virtual currency, even if the price of virtual currency fluctuates from moment to moment in the exchange, the stable exchange value of virtual currency is secured and used as a payment method. be able to utilize

8 to 9 are diagrams for explaining a method of obtaining an average value to mitigate price fluctuations of virtual currency according to an embodiment of the present invention.

8 is a diagram showing the positive candlestick, the negative candlestick, and the flatness of a general candlestick chart. The opening price is the first traded price in the section, and the closing price is the last traded price in the section. The high price is the highest traded price in the section, and the low price is the lowest traded price in the section.

When obtaining the average value, one of these four values can be used to find the average. For example, in FIG. 7, 00:00 to 01:00, 01:00 to 02:00, 02 to 03:00, 03:00 to 04:04, 04:00 to 05:00, 05:00 to 06:00 belonging to section 1-1 of case A On the candle chart by 1 hour, add the opening price for each hour and average it to use as a fixed value in the 1-2 section, add the closing prices and average it and use it as a fixed value in the 1-2 section, or add the high prices and take the average. It can be used as a fixed value in the 1-2 range, or it can be used as a fixed value in the 1-2 range by adding the low price and averaging it.

In this way, if the average value is calculated using one of the open price, close price, high price, and low price, and the fixed value of the next section is calculated, the average value can be obtained immediately without a large operation because there are not many values to calculate. In addition to simply calculating the average value, you can also calculate the average value by reflecting each transaction volume.

Referring to FIG. 9 , it can be seen that the trading volume is displayed below in the graph of FIG. 3 . For example, when the trading price of a designated coin traded on the virtual currency exchange in an hourly unit is displayed, 40 won -> 30 won -> 20 won -> 10 won -> 20 won -> 30 won -> 20 won - > While the price changes in the order of 30 won -> 20 won -> 30 won -> 40 won -> 50 won, the trading volume is 1 -> 1 -> 2 -> 1 -> 2 -> 1 -> 2 -> 2 -> 1 -> 1 -> 2 -> Let's assume that 1 designated coin is traded.

In the example of FIG. 9 , in the first section, the price of the designated coin changed in the order of 1 40 won -> 1 30 won -> 2 20 won -> 1 10 won for 4 hours. If we average this, we get (40+30+20*2+10)/5 = 24. Since the average transaction price of the designated coin in the first section is 24 won, this is determined as the exchange value for the next 4 hours. That is, in the system for payment using the designated coin during the second period, the value of the designated coin is fixed at 24 won to proceed with the payment.

In the second section of FIG. 3, the price of the designated coin changed in the order of 2 20 won -> 1 30 won -> 2 20 won -> 2 30 won for 4 hours. If we average this, we get (20*2+30+20*2+30*2)/7 = 24.3. Since the average of the transaction prices of the designated coins in the second section is 24.3 won, this is determined as the exchange value for the next 4 hours. That is, in the system for payment using the designated coin during the third period, the value of the designated coin may be fixed at 24.3 won to proceed with the payment.

In the third section of FIG. 3, the price of the designated coin fluctuated in the order of 1 20 won -> 1 30 won -> 2 40 won -> 1 50 won for 4 hours. If we average this, we get a value of (20+30+40*2+50)/5 = 36. Since the average of the transaction prices of the designated coins in the third section is 36 won, this is determined as the exchange value for the next 4 hours. That is, in the system for payment using the designated coin during the fourth period, the value of the designated coin may be fixed at 36 won to proceed with the payment.

In this way, if the section is divided and the average value is obtained and fixed as the exchange value of the designated coin in the next section, the exchange value of the designated coin is 24 won while the designated coin changes from 40 won to 10 won and then to 50 won. It can be seen that it is maintained without significant change in the order of 24.2 won -> 36 won. When the volatility of the exchange value decreases in this way, the designated coin can be used as a payment method.

The average value at this time is the same as the process of obtaining the average unit price of virtual currency transactions that occurred during that time. In this way, the amount of calculation is increased, but there is an advantage in that the value of the virtual currency transaction that occurred during the corresponding time can be accurately calculated. However, since many calculations are required to use the average unit price as such, it is desirable to immediately calculate the average unit price whenever a transaction occurs and show in real time how much money will be disclosed as the exchange value in the next section.

Alternatively, it is okay to obtain an average value using any one of the open price, close price, high price, and low price as shown in FIG. 8 without calculating the average unit price. In the case of FIG. 3 and FIG. 9, even if the difference between the average value or average unit price calculated for each section is not large, it can be seen that it is sufficient to use the average value of any one of the open price, close price, high price, and low price.

As described in FIGS. 2 to 9 , virtual currency can be used as one of the payment methods by dividing the interval and obtaining the average of the transaction prices of virtual currency in the exchange and fixing it as the exchange value of virtual currency. For example, in the trading platform server 200 of FIG. 1 , virtual currency may be used as one of the payment methods.

10 to 15 are diagrams for explaining the case of using the virtual currency proposed in the present invention as a payment method.

The vendors 210 and 220 may provide products to be sold through the trading platform subject 200 and promote them to consumers. Consumers 260 , 270 , and 280 may purchase products being sold by vendors 210 and 220 through the transaction platform entity 200 . At this time, unlike the existing open market platform, virtual currency can be used as a payment method in addition to cash.

10 to 11 are user interface screens when consumers 260 , 270 , and 280 purchase products from the G-point mall. As shown in FIG. 10 , when a user wants to purchase a food bioprocessor with a price of 149,000 won, virtual currency as well as cash can be used as a payment method. Consumers can pay with cash, digital currency such as G-point, or virtual currency such as NEC coin. In addition, these may be paid in combination with each other. Such a payment method may be determined by the vendors (210, 220), but the present invention is not limited thereto.

Referring to FIG. 11, in order for a consumer to pay an amount of 149,000 won, the amount of 39,000 won is paid with G-Point Cash, which is a cash point, and the remaining amount of 110,000 won is paid with Newus Coin, a virtual currency. You can see a screen . At the time of payment, you can see that a fixed exchange rate of 1 NEC = 1.76 KRW, which is the exchange value, is applied for the period from 20:00 to 24:00 on January 7th. The user can pay with 6,250 NEC coins for the amount of 110,000 won. At this time, the payment screen may additionally inform when the start time of the next section is, that is, when the exchange value is renewed.

That is, the consumers 260, 270, and 280 can make a payment using cash (or digital currency or electronic money corresponding thereto) or designated currency (cryptocurrency, etc.) within the payment method options proposed by the entering company. In the case of using a designated currency, the value may be calculated according to a pre-announced ratio by reflecting the volatility according to the method described above.

When the consumers 260, 270, and 280 make a payment using virtual currency in this way, the store entrants 210 and 220, which are sellers, can pay the platform fee to be paid to the trading platform server 200 in cash or in virtual currency. can Hereinafter, it is assumed that the commission rate paid by the vendors 210 and 220 to the platform server 200 is 10%.

For example, in the example of FIG. 11, when the user makes a payment with cash of 39,000 won and 6,250 NEC coins corresponding to 110,000 won, the transaction platform server 200 pays 10% of the amount of 14,900 won as a fee. When it is necessary, the entry companies 210 and 220 pay the amount of 14,900 won out of the amount of 39,000 won paid by the user (that is, pay in cash or electronic money / digital currency equivalent to cash), or the user pays You can choose to pay in one 6,250 NEC coins (i.e., in virtual currency or designated currency) or to pay a certain amount in cash and a certain amount in NEC coins, ie a combination of cash and designated currency. In the present invention, such a payment method can generally be determined by the vendors 210 and 220, and additionally or selectively, the upper and lower limits thereof are based on a contract between the vendors 210 and 220 and the trading platform server 200. can follow

Referring to FIG. 12, you can see the progress of the steps between the vendors 210 and 220, the trading platform server 200, and the consumers 260, 270, and 280 from purchasing a product, proceeding with payment, and paying a fee. can

When consumers 260, 270, and 280 input purchase information as shown in FIG. 11 and touch pay, the payment information and shipping address information are transmitted to the transaction platform server 200 (S1210). The trading platform server (S1220) proceeds with payment using virtual currency through communication with the cryptocurrency system (100) (S1220).

When the payment is completed, the shop entrants 210 and 220 deliver the goods to the consumers 260, 270 and 280 (S1230), and the consumers 260, 270 and 280 receiving the goods confirm the purchase (S1240). When the purchase is confirmed, the amount paid by the user needs to be settled between the vendors 210 and 220 and the trading platform server 200 . That is, the trading platform server 200 pays the entry companies 210 and 220 an amount excluding a certain fee.

At this time, the entry companies 210 and 220 may select whether to pay the fee in cash (or electronic money or digital money corresponding to cash) or in virtual currency, that is, designated currency (S1260). The amount excluding the commission is paid as the sales amount (S1250). At this time, the fee payment method that the entry companies 210 and 220 can select is limited according to the payment method paid by the consumers 260 , 270 and 280 .

Assume that consumers 260, 270, and 280 pay 20% of the amount in cash and 80% of the amount in virtual currency. At this time, if the fee to be taken from the trading platform server 200 is 10%, the entry companies 210 and 220 pay 10% of the fee to the trading platform server 200 in cash, virtual currency, or a combination of the two. can do.

Referring to FIG. 13 , the first case of settlement of the sales price is when the entry companies 210 and 220 pay a 10% fee in cash. The remaining 90% can be taken as sales profit, and 10% cash and 80% virtual currency can be used to take sales profit. In the second case of FIG. 13 , the entry companies 210 and 220 pay a 10% fee in virtual currency. The remaining 90% of the amount can be taken as sales profit, with 20% cash and 70% virtual currency. In the third case of FIG. 13 , the entry companies 210 and 220 pay a 10% fee in cash and virtual currency. The remaining 90% can be taken as sales profit, with 15% cash and 75% virtual currency.

Let's assume that this time consumers (260, 270, 280) paid 5% of the amount in cash and 95% of the amount in virtual currency. At this time, if the fee to be taken from the trading platform server 200 is 10%, the entry companies 210 and 220 pay 10% of the fee to the trading platform server 200 in cash, virtual currency, or a combination of the two. can do.

Referring to FIG. 14 , even if the entry companies 210 and 220 want to pay all 10% fees in cash, some of them are paid in virtual currency because the consumers 260, 270, and 280 only paid 5% in cash. Have no choice but to. In other words, the remaining 90% of the amount is taken as sales profit, and 90% of the virtual currency can be used to take sales profit. Even if the entry companies 210 and 220 are given the option to select a method for paying the fee, this is inevitably limited to the payment method paid by the consumer.

The reason why the entrants 210 and 220 are provided with an opportunity to select a means to pay the fee is to compensate for the part where the entrants 210 and 220 may suffer losses due to price fluctuations of virtual currency. . In addition, this is to induce the entrants 210 and 220, who will obtain a large amount of virtual currency from the trading platform server 200, to become members of a virtual currency ecosystem that consumes/distributes virtual currency.

As shown in FIG. 12, even though the exchange value is fixed, the sales price is paid to the vendors 210 and 220 after the delivery of the product is completed (S1230) and after the consumers 260, 270, and 280 confirm the purchase. Because of this, the exchange price of virtual currency may fluctuate in the meantime. At this time, the entry companies 210 and 220 can select a fee from payment methods paid by the consumers 260 , 270 and 280 according to whether the price of the virtual currency has increased or decreased.

If the price (or value) of the designated coin has risen in the meantime, it would be advantageous to pay the commission in cash when settling the sale price. Conversely, if the price of the designated coin has fallen, it would be advantageous to pay the commission in the designated coin when settling the sales price. The entry companies 210 and 220 may select a payment method for a fee to be paid to the transaction platform server 200 according to their pros and cons.

In addition, it is possible to induce the entry companies 210 and 220 to naturally participate in the use of designated coins (cryptocurrency), distribution of coins, and investment or holding of designated coins. Conventionally, there is a disadvantage that virtual currency is not used enough for purposes other than investment purposes. As such, the right to choose the method of fixing the exchange value of virtual currency and the payment method of fees, that is, the company entering the payment ecosystem using designated currency naturally Cryptocurrency whose value easily changes as the entry company 210, 220 has the right to pass through, mitigate the volatility of the designated currency according to volatility, perform value judgment according to time lag, and make the final decision In the payment system, it is possible to protect the seller, that is, the company entering the store, and induce the actual use of cryptocurrency.

Referring to FIG. 15 , it can be seen that consumers 260 , 270 , and 280 pay using virtual currency at offline stores as well as online shopping malls such as G Point Mall. For example, by selecting My Wallet > QR Code Payment in the G-Point Mall application and presenting the QR code to the offline store, you can make a purchase directly offline using your Newus Coin.

If consumers (260, 270, 280) can use virtual currency with as much convenience as existing simple payment methods such as Kakao Pay, Naver Pay, Payco, etc. Virtual currency can be transformed into goods that value value.

In this way, by securing the exchange value of virtual currency and providing a system that assists the use of the virtual currency to sellers or consumers, it is possible to build an ecosystem for actual use of virtual currency. In addition to simply aiming for market profit on the exchange, it is possible to prevent the virtual currency from disappearing by securing the utilization value of virtual currency.

16 is a hardware configuration diagram of a virtual currency payment system 10 according to an embodiment of the present invention.

Referring to FIG. 16 , the transaction platform subject 200 proposed in the present invention may include one or more processors 510 , memory 520 , storage 560 , and interface 570 . The processor 510 , memory 520 , storage 560 , and interface 570 transmit and receive data through the system bus 550 .

The processor 510 executes the computer program loaded into the memory 520, and the memory 520 loads the computer program from the storage 560. The computer program may include an interval setting operation 521 , an exchange value calculation operation 523 , and an exchange value disclosure operation 525 .

The interval setting operation 521 fixes the exchange value 569 of the virtual currency at what period and determines how to use it for trading. To this end, the virtual currency transaction price is received from the virtual currency exchange through the interface 570 and stored as the transaction price 565 in the storage 560 through the system bus 550 .

The interval can be set based on the first period 561 and the second period 563. The first period 561 is a grouping of the second period 563. For example, if the first period 561 is 24 hours, the second period 563 may be 1 hour, 2 hours, 3 hours, 4 hours, 6 hours, 8 hours, 12 hours, or 24 hours. For example, a 24-hour day can be divided into 6 sections of 4 hours each. Alternatively, a 24-hour day can be divided into 3 sections of 8 hours each.

Within one section, the exchange value of virtual currency is fixed. That is, in the trading platform server 200, the value of virtual currency is fixed and used as a payment method. However, since the value of the virtual currency should reflect the transaction price of the exchange, the first period 561 and the second period 563 need to be set adaptively.

The interval setting operation 521 may set the first period 561 to a fixed value. In this case, the value of the fixed first period 561 may have values such as 12 hours, 24 hours, or 48 hours. Alternatively, the interval setting operation 521 may adaptively set the first period 561 . In the trading platform server 200, according to the amount of payment, the first period 561 may be set to a large value for a large amount of payment, and the first period 561 may be set to a small value for a small amount of payment.

The section setting operation 521 may dynamically set the second period 563 based on the fluctuation range of the price of the virtual currency in the previous section. For example, as shown in FIG. 6 , when the fluctuation range is large, the second period 563 may be set to a small value, and when the fluctuation range is small, the second period 563 may be set to a large value. The second period 563 may be reset with a cycle of the first period 561 .

The exchange value calculation operation 523 calculates the exchange value of virtual currency in the next section based on the price in the virtual currency exchange in the previous section and transfers it to the exchange value 569 of the storage 560 through the system bus 550. Save. At this time, the price on the virtual currency exchange may be any one of open price, close price, high price, and low price on the trading chart.

For example, if the first section is 4 hours, the average value obtained by adding all four market prices in the 1-hour candlestick chart can be used as the exchange value 569 of the second section. As another example, for example, if the first interval is 6 hours, the average value obtained by adding all six closing prices on the 1-hour candlestick chart may be used as the exchange value 569 of the second interval. In addition to the method of simply using the open price, close price, high price, and low price, the average unit price of transactions that occurred during the corresponding section can be obtained and used as the exchange value 569 of the next section.

The exchange value disclosure operation 525 serves to inform users and other systems of the set interval and the exchange value 569 of the corresponding interval. As shown at the bottom of FIG. 11 or FIG. 15, it guides at what price the designated coin can be used in the trading platform server 200, and until when the exchange value is fixed, that is, the setting of the next exchange value I can guide you when.

Each component of FIG. 16 may mean software or hardware such as a Field Programmable Gate Array (FPGA) or an Application-Specific Integrated Circuit (ASIC). However, the components are not limited to software or hardware, and may be configured to be in an addressable storage medium or configured to execute one or more processors. Functions provided in the components may be implemented by more subdivided components, or may be implemented as a single component that performs a specific function by combining a plurality of components.

The present invention can be implemented as computer readable code on a computer readable recording medium, and the computer readable recording medium includes all types of recording devices storing data that can be read by a computer system. . Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, and optical data storage devices. In addition, the computer-readable recording medium may be distributed to computer systems connected through a network, so that computer-readable codes may be stored and executed in a distributed manner.

Each component on the configuration diagram or block diagram of the accompanying drawings may be implemented in software or hardware such as a field-programmable gate array (FPGA) or application specific integrated circuit (ASIC). However, each component on the configuration diagram or block diagram may be implemented in an addressable storage medium as well as software and hardware, and may be configured to execute one or more processors.

Each component on a block diagram or block diagram may represent a module, segment, or piece of code that includes one or more executable instructions for executing a specified logical function. Therefore, a function provided by a component on a block diagram or block diagram may be implemented by a plurality of more subdivided components, or a plurality of components on a block diagram or block diagram may be implemented by an integrated component. is of course

Although the above has been described with reference to the embodiments of the present invention, this is only an example and does not limit the present invention, and those skilled in the art to which the present invention belongs will be able to It will be appreciated that various modifications and applications not exemplified above are possible.

Therefore, it should be understood that the scope of the present invention includes modifications, equivalents, or substitutes of the technical ideas exemplified above. For example, each component specifically shown in the embodiment of the present invention may be modified and implemented. And differences related to these modifications and applications should be construed as being included in the scope of the present invention as defined in the appended claims.

Claims (6)

As a method performed by the trading platform server,
Dividing the first period into a second period (the second period being less than or equal to the first period) to set n intervals ((first period)=(second period)×n, where n is a natural number);
The transaction price of the virtual currency of the exchange during the second period corresponding to any one of the k-th intervals (the k-th interval is the k-th interval among the n intervals, where k is a natural number less than or equal to n) belonging to the n intervals. calculating a kth exchange value based on; and
In the case where the user intends to make a payment using the virtual currency in the k+1th period, performing a payment operation with the kth exchange value,
The length of the second period belonging to the current first period is determined based on the fluctuation range of the trading price of the virtual currency of the exchange during the previous first period, the virtual currency payment method. According to claim 1,
The first period is a fixed value,
Virtual currency payment method. According to claim 1,
When determining the length of the second period, the fluctuation range and the length of the second period are inversely proportional to the virtual currency payment method. According to claim 1,
Calculating the kth exchange value comprises:
Dividing the k-th interval on the basis of a certain period, and obtaining an average by selecting one or more of the open price, closing price, high price, and low price of the transaction details of the virtual currency for each period,
Virtual currency payment method. According to claim 1,
Calculating the kth exchange value comprises:
Comprising the step of obtaining an average unit price based on the transaction amount and transaction volume of the transaction details of the virtual currency during the kth period,
Virtual currency payment method. delete

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