KR102575124B1 - Method and system for providing virtual currency payment service including refund procedures - Google Patents

Abstract

A virtual currency service providing method executed in a virtual currency service providing server is disclosed. The virtual currency service providing method includes receiving purchase information and a purchase price through virtual currency from a purchase terminal, transmitting the purchase information to an affiliate terminal, storing the purchase price, and requesting a refund from the purchase terminal. Receiving and refunding the purchase price to the purchase terminal, wherein storing the purchase price includes storing the purchase price in the virtual currency or converting the purchase price into the real currency at the request of the affiliate terminal. The storage and refund step is the time point at which the purchase price is received if the market price of the virtual currency rises compared to the time at which the purchase price is received when the purchase price is converted into the spot currency in the storage step and stored. Refund the virtual currency corresponding to the value of the purchase price, and if the market price of the virtual currency decreases compared to the time at which the purchase price is received, refund as many virtual currencies as the number of virtual currencies received as the purchase price. do.

Description

Method and system for providing virtual currency payment service including refund procedure

The present invention relates to a method and system for providing a virtual currency service with improved stability for product purchase and processing of a refund request accordingly.

In detail, in the transaction of real goods through virtual currency, virtual currency payment service for smooth payment through virtual currency by solving the difficulty of refund processing due to the immediacy of virtual currency transaction when a refund request occurs after the transaction. It relates to a provision method and its system.

Money that does not have real objects such as banknotes or coins and remains in the form of information such as computers 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 criteria.

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 copies and stores them on numerous computers at the same time. 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. Due to the above advantages, blockchain technology is being used in virtual currency, especially in the field of cryptocurrency.

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 an independent blockchain network is classified as a token. do it with

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 block chain 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. In addition, when a refund request occurs after a transaction of goods through virtual currency, it is difficult to process it.

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 the reverse cycle structure that makes it difficult to actually use virtual currency due to its volatility, leading to value loss due to the undervaluation of virtual currency. In addition, there are many types of virtual currency, so it may be difficult to select which currency to use. Accordingly, there were insufficient factors to accept the payment system using virtual currency from the point of view of consumers as well as sellers. 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 needs of users and sellers to use virtual currency.

On the other hand, the above-mentioned volatility in the value of virtual currency may cause instability at the time of transaction, but there is a problem that it is difficult to manage and supervise fair and stable transactions due to the inherent characteristic of virtual currency called decentralization. As a result, there is a possibility of causing unexpected damage to either side of both traders, that is, the seller and the buyer. Therefore, it is necessary for both parties to more clearly recognize the meaning of the transaction and the basic information of the transaction.

That is, the problem to be solved by the present invention is to provide a method for providing a virtual currency service with improved stability for product purchase and processing of a refund request accordingly.

Another problem to be solved by the present invention is to provide a system for providing a virtual currency service with improved stability for purchasing goods and processing refund requests accordingly.

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.

A virtual currency service providing method according to an embodiment of the present invention for solving the above problems includes receiving purchase information and a purchase price through virtual currency from a purchase terminal, transmitting the purchase information to an affiliated terminal, and the purchase Storing the purchase price, receiving a refund request from the purchase terminal, and refunding the purchase price to the purchase terminal, wherein the storing the purchase price includes the purchase price stored in the virtual currency or converted into the spot currency, and in the step of refunding, when the purchase price is exchanged into the spot currency and stored in the storage step, the market price of the virtual currency determines the purchase price. If the price increases from the time of receiving the purchase price, the virtual currency corresponding to the value of the purchase price at the time of receiving the purchase price is refunded, and if the market price of the virtual currency decreases from the time of receiving the purchase price, the purchase price is received as the purchase price. The number of virtual currencies equal to the number of virtual currencies is refunded.

In addition, in the refunding step, if the purchase price is stored as the virtual currency in the storing step, if the market price of the virtual currency rises compared to the time of receiving the purchase price, the purchase price at the time of receiving the purchase price The virtual currency corresponding to the value of the price is refunded, and if the market price of the virtual currency decreases compared to the time at which the purchase price is received, the virtual currency corresponding to the number of the virtual currency received as the purchase price may be refunded. .

In addition, in the storage step, the virtual currency service providing server stores the purchase price as the virtual currency, and after the step of refunding the purchase price when the market price of the virtual currency rises compared to the time at which the purchase price is received Further comprising exchanging the virtual currency held by the virtual currency, wherein the exchange amount of the virtual currency may be a difference between a refund value of the virtual currency received as the purchase price and a value of the refunded virtual currency.

In addition, in the storage step, the virtual currency service providing server stores the purchase price as the virtual currency, and after the step of refunding the purchase price when the market price of the virtual currency rises compared to the time at which the purchase price is received Further comprising exchanging the virtual currency held by the virtual currency, the exchange amount of the virtual currency may be a part of a difference between a value of the virtual currency upon refund received as the purchase price and a value of the refunded virtual currency.

In addition, in the storage step, the purchase price is stored in the virtual currency, and when the market price of the virtual currency rises compared to the time at which the purchase price is received, the value of the purchase price stored in the virtual currency and the purchase price A portion of the difference in value of the virtual currency refunded to the terminal may be transmitted to the affiliate terminal.

In addition, in the storage step, the purchase price is stored in the spot currency, and when the market price of the virtual currency decreases compared to the time at which the purchase price is received, the value of the purchase price stored in the spot currency and the purchase terminal A portion of the difference in value of the virtual currency refunded as , may be transmitted to the affiliated terminal.

A virtual currency service providing method according to another embodiment of the present invention includes the steps of receiving purchase information and purchase price through virtual currency from a purchase terminal, transmitting the purchase information to an affiliated terminal, and converting the purchase price into virtual currency. Storing, receiving a refund request from the purchasing terminal, transmitting the refund request to the affiliated terminal, converting the purchase price into spot currency upon receipt of the refund request, receiving approval from the affiliated terminal and refunding the purchase price to the purchase terminal.

In addition, if the market price of the virtual currency increases compared to the time of receiving the purchase price, the virtual currency corresponding to the value of the purchase price at the time of receiving the purchase price is refunded, and the market price of the virtual currency is equal to the purchase price. If it decreases compared to the time of receiving the virtual currency, the virtual currency corresponding to the purchase price at the time of refunding the purchase price may be refunded.

Other embodiment specifics are included in the detailed description.

According to the embodiments of the present invention, stability against purchase cancellation is improved, and virtual currency services that arouse the seller's need to lead an economic life belonging to the virtual currency service providing system according to the embodiments of the present invention can be provided. there is.

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 block diagram illustrating a virtual currency payment service providing system according to an embodiment of the present invention.
2 is a conceptual diagram of a block chain according to an embodiment of the present invention.
3 is a block diagram of a virtual currency service providing server according to an embodiment of the present invention.
4 is a flowchart illustrating a virtual currency service providing method according to an embodiment of the present invention.
5 is a flowchart illustrating a virtual currency service providing method according to an embodiment of the present invention.
6 is a flowchart illustrating the operation of a virtual currency service providing server according to an embodiment of the present invention.
7 is a flowchart illustrating the operation of a virtual currency service providing server according to another embodiment of the present invention.
8 is a flowchart illustrating the operation of a virtual currency service providing server according to another embodiment of the present invention.
9 is a flowchart illustrating a virtual currency service providing method according to another embodiment of the present invention.
10 and 11 are diagrams for explaining a method of calculating a market price of a virtual currency whose volatility is alleviated in a virtual currency service providing server according to an embodiment of the present invention.
12 to 17 are diagrams for explaining a method of setting a section to mitigate fluctuations in the market price of virtual currency.

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.

The size, thickness, width, length, etc. of the components shown in the drawings may be exaggerated or reduced for convenience and clarity of explanation, so the present invention is not limited to the illustrated form.

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.

The spatially relative terms 'above', 'upper', 'on', 'below', 'beneath', 'lower', etc. are not included in the drawings. As shown, it can be used to easily describe the correlation between one element or component and another element or component. Spatially relative terms should be understood as encompassing different orientations of elements in use in addition to the orientations shown in the figures. For example, when elements shown in the figures are turned over, elements described as 'below' or 'below' other elements may be placed 'above' the other elements. Accordingly, the exemplary term 'below' may include directions of both down and up.

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.

In the present specification, the first direction (X) means an arbitrary direction in a plane, and the second direction (Y) means another direction crossing the first direction (X) in the plane. In addition, the third direction (Z) means a direction perpendicular to the plane. Unless otherwise defined, 'plane' means a plane to which the first direction (X) and the second direction (Y) belong. In addition, unless otherwise defined, 'overlapping' means that components overlap in the third direction (Z) from the planar viewpoint.

In this specification, a 'unit' includes a unit realized by hardware, a unit realized by software, and a unit realized using both. Further, one unit may be realized using two or more hardware, and two or more units may be realized by one hardware.

In this specification, some of the operations or functions described as being performed by a terminal, device, or device may be performed instead by a server connected to the terminal, device, or device. Likewise, some of the operations or functions described as being performed by the server may also be performed by a terminal, apparatus, or device connected to the server.

In this specification, some of the operations or functions described as mapping or matching with the terminal mean mapping or matching the terminal's unique number or personal identification information, which is the terminal's identifying data. can be interpreted as

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram illustrating a virtual currency payment service providing system according to an embodiment of the present invention.

1, the virtual currency payment service providing system 10 according to an embodiment of the present invention includes at least one customer terminal 100, ?, 110, at least one affiliate terminal 200, ?, 210, It includes a virtual currency service providing server 300, a virtual currency service quote providing server 400, and a spot currency service providing server 500. Hereinafter, the word "at least one" is defined as a term that can refer to the singular and plural.

Each component of FIG. 1 is generally connected through a network (not shown). For example, as shown in FIG. 1, the virtual currency service providing server 300 is a customer terminal 100, an affiliate terminal 200, a virtual currency quote providing server 400 and a spot currency service providing server through a network. (500) can be connected. Also, although not shown, each component of FIG. 1 may be connected to each other through a network.

Here, the network refers to a connection structure capable of exchanging information between nodes such as a plurality of terminals and servers. Examples of such networks include a 3rd Generation Partnership Project (3GPP) network and a Long Term Evolution (LTE) network. , 5GPP (5rd Generation Partnership Project) network, WIMAX (World Interoperability for Microwave Access) network, Internet (Internet), LAN (Local Area Network), Wireless LAN (Wireless Local Area Network), WAN (Wide Area Network), PAN ( Personal Area Network), Bluetooth (Bluetooth) network, NFC network, satellite broadcasting network, analog broadcasting network, digital multimedia broadcasting (DMB) network, etc. are included, but are not limited thereto.

The customer terminal 100 may be a terminal that is verified by a block chain for purchase or after purchase to form one node of the block chain, or may be a terminal that verifies other terminals. In addition, the customer terminal 100 may be a terminal that is updated by sharing ledger data when a purchase-related transaction occurs. In addition, the customer terminal 100 may be a customer terminal for which the customer terminal 100 is registered and stored as the virtual currency service providing server 300 for registration after payment is made to the virtual currency service providing server 300. . In addition, the customer terminal 100 may be a terminal requesting payment to the virtual currency service providing server 300 when a payment is attempted through virtual currency.

In addition, the customer terminal 100 may be a customer terminal for using a payment service linked through real money, such as receiving a refund through real money. In this case, the customer terminal 100 may operate in conjunction with the spot currency service providing server 500 for use of a payment service associated with real money.

Here, the customer terminal 100 may be implemented as a computer capable of accessing a remote server or terminal through a network. Here, the computer is, for example, a set-top box, kiosk, car navigation device, home network device, home robot, watch phone, Internet-connected camera, security system, broadcasting equipment, IPTV, a laptop computer equipped with a web browser, and a desktop computer. (Desktop), laptop (Laptop), and the like. Alternatively, the customer terminal 100 may be implemented as a terminal capable of accessing a remote server or terminal through the network 600 . The customer terminal 100 is, for example, a wireless communication device that ensures portability and mobility, and includes navigation, PCS (Personal Communication System), GSM (Global System for Mobile communications), PDC (Personal Digital Cellular), PHS (Personal Communication System) Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication)-2000, CDMA (Code Division Multiple Access)- 2000, W-CDMA (W-Code Division Multiple Access), Wibro (Wireless Broadband Internet) terminal, It may include all types of handheld-based wireless communication devices such as a smartphone, a smartpad, and a tablet PC.

The affiliated terminal 200 receives information on the payment request requested from the customer terminal 100 through the virtual currency service providing server 300 so that the affiliated store owner can check, and the affiliated store whether payment through virtual currency has been successfully made It may be a terminal that allows the owner to check. In addition, the affiliated terminal 200 may be a terminal that receives information on various services supported by the virtual currency service providing server 300 and allows the affiliated store owner to check it. In addition, the affiliate terminal 200 may be a terminal that requests authentication through the virtual currency service providing server 300 whether or not it is an authenticated node (terminal) in the block chain, and when payment is completed, the transaction of the node is converted to virtual currency. It may be a terminal notifying the service providing server 300 .

In addition, the affiliate terminal 200 may be a terminal that performs use of real money-linked payment services, store management, and customer relationship management (CRM). In this case, the affiliated terminal 200 may operate in conjunction with the spot currency service providing server 500 to use the payment service linked to real money, and run a program containing various functions for store management and customer relationship management. It may be a terminal that can be executed.

In addition, the affiliate terminal 200 determines whether the purchase price transmitted from the customer terminal 100 to the virtual currency service providing server 300 is stored in the virtual currency service providing server (3000 in virtual currency or in spot currency) until the purchase is confirmed. It may be a terminal that selects whether or not to exchange and store. This selection is preset in the affiliate terminal 200, and the type of currency stored by applying the information on the preset selection to all transactions through the corresponding affiliate terminal 200 It may be determined, but is not limited thereto, and when a purchase request occurs, the affiliate terminal 200 may select the type of stored currency.

Here, the affiliate terminal 200 may be implemented as a computer capable of accessing a remote server or terminal through a network. Here, the computer is, for example, a set-top box, kiosk, car navigation device, home network device, home robot, watch phone, Internet-connected camera, security system, broadcasting equipment, IPTV, a laptop computer equipped with a web browser, and a desktop computer. (Desktop), laptop (Laptop), and the like. In this case, the affiliate terminal 200 may be implemented as a terminal capable of accessing a remote server or terminal through the network 600 . The affiliated terminal 200 is, for example, a wireless communication device that ensures portability and mobility, and includes navigation, PCS (Personal Communication System), GSM (Global System for Mobile communications), PDC (Personal Digital Cellular), PHS (Personal Communication System) Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication)-2000, CDMA (Code Division Multiple Access)- 2000, W-CDMA (W-Code Division Multiple Access), Wibro (Wireless Broadband Internet) terminal, It may include all types of handheld-based wireless communication devices such as a smartphone, a smartpad, and a tablet PC.

The virtual currency service providing server 300 provides a web page, app page, application or program that provides a virtual currency payment service, or is provided by another server (not shown) interworking with the virtual currency service providing server 300. can be a server In addition, the virtual currency service providing server 300 may be a server that allows transaction, payment, and authentication to be performed to satisfy blockchain authentication when payment is made in virtual currency using blockchain technology. In addition, the virtual currency service providing server issues and distributes virtual currency, and when requested by the customer terminal 100 and/or affiliate terminal 200, the virtual currency to the customer terminal 100 and/or affiliate terminal 200. It can be a server that pays with . In addition, when the virtual currency service providing server 300 receives a query request for data accumulated in the virtual currency service providing server 300 from the customer terminal 100 and/or affiliate terminal 200, the accumulated data It may be a server that provides to the customer terminal 100 and/or affiliate terminal 200.

At this time, the virtual currency service providing server 300 may be implemented as a computer capable of accessing a remote server or terminal through a network. Here, the computer may include, for example, a laptop, desktop, or laptop equipped with a web browser, but is not limited thereto.

When information related to the market price of virtual currency is required, the virtual currency market price providing server 400 may provide information on current and past market prices of virtual currency to the virtual currency service providing server 300 . The virtual currency quote providing server 400 may be directly operated by the entity that operates the virtual currency service providing server 300, but is not limited thereto and may be operated in a form in which only quote information is provided through an external operator. In addition, the virtual currency market price providing server 400 may provide information about the market price of virtual currency to the customer terminal 100 and the affiliate terminal 200 .

The spot currency service providing server 500 may be a server that supports all payment methods linked with real money and movement of real money through the customer terminal 100 and affiliate terminal 200 . The spot currency service providing server 500 may interwork with a card company server, a bank server, a server of an authentication company, and the like. In addition, the spot currency service providing server 500 may have a function of supporting a means of storing spot currency in each of the customer terminal 100, the affiliate terminal 200, and the virtual currency service providing server 300.

2 is a conceptual diagram of a block chain according to an embodiment of the present invention.

Referring to FIG. 2, a block chain is a public transaction ledger and is a technology to prevent hacking that may occur when trading with virtual currency. At this time, the blockchain is a form of distributed database, a continuously growing list of data records, which cannot be arbitrarily manipulated by the operator of the distributed node, and the transaction records of the data record list are obligatory encrypted and run the blockchain software. Most cryptocurrencies, including Bitcoin, are based on the form of block chain technology.

According to the structure of the block chain, the block chain uses a consensus convergence algorithm that allows large-scale nodes to always maintain the latest version of the ledger data distributed and stored in each node. Poor connectivity, or even allowing unreliable operators to participate.

In addition, according to the decentralized characteristics of the blockchain, every decentralized cryptocurrency node has a partial or full blockchain. This eliminates the need to have a centralized database, which is required by systems like PayPal. In addition, while general ledgers record exchange details of checks, receipts, or promissory notes, blockchain itself is a transaction ledger and at the same time a transaction certificate (check, receipt, promissory note), so a virtual currency system using a block chain structure. in the form of unpaid outcomes of transactions.

For example, a transaction in the form of "payer A sends a certain amount to payee B" is distributed to the blockchain network through a software app (such as a Bitcoin wallet app), and nodes in the blockchain network verify the transaction. Then, add the transaction to your own ledger. And a method of maintaining a common ledger by distributing the ledger with this transaction added to other nodes in the network is used.

And, to prevent double-spending, cryptocurrencies use proof-of-work or proof-of-possession to avoid adding a time-stamped transaction to the blockchain by a trusted third party. -of-take), which makes it easy for anyone to avoid the problem of double spending. In addition to the concept of the blockchain described above, the virtual currency payment service providing system according to an embodiment of the present invention may use an agreement algorithm between users who do not have mutual trust.

In other words, since any user who participates in the use of the blockchain can enter, change, or delete data, the use of a consensus algorithm, which is a fundamental technology for reliable transactions without a Trust Third Party (TTP), is essential. do. By using the consensus algorithm, the reliability of the data stored in the blockchain can be guaranteed after the operation of a specific mechanism between authorized users. This ensures that the state of the blockchain is securely updated and maintained, ensuring data integrity within the blockchain.

To this end, an embodiment of the present invention is any one or any one of PoW (Proof of Work), PoS (Proof of Stake) and DPoS (Delegated Proof of Stake) combinations can be used.

As a first method, in PoW, in Bitcoin, all transactions that occur in 10-minute units are bundled into one block and connected in chronological order as one chain, which can be shared on the entire P2P network. Nodes in the network can perform an operation to find a specific value by performing a hash operation on a value obtained by concatenating the hash value of the previous block header and the nonce. At this time, the nonce is a 32-bit number that starts from 0 and increases by 1 until a hash value that satisfies the condition is found, and a specific value is a 256-bit number that starts with several zeros. Due to the nature of hash operation, inverse operation is difficult, so to find a specific value, the process of sequentially substituting and calculating while changing the nonce may be required. Because of this process, the time it takes to create a block can be reduced for nodes with higher computing power.

In addition, in virtual currency, the number of 0s in a specific value is increased by 1 using bits in the block header, and the block generation time can be kept constant at 10 minutes. When 6 or more nodes complete the above proof of block creation through computation, the block can be officially recognized and included in the blockchain.

In the second method, in PoS, the decision-making power of each node depends on the amount of currency held, not the computational power. In general, in order to attack a blockchain, an attacker needs to occupy more than 51% of the network, but with PoS, the attack can only be done with more than 51% of the total currency holdings. This can greatly increase security.

As a third method, DPoS grants the right to consensus by granting authority only to the top 101 nodes in the voting results of all nodes constituting the network, whereas PoS gave the right to create blocks to all nodes with a certain stake. delegate Because blocks are created based on the trust of representatives elected by voting, the time and cost required for consensus are low, and the number of blocks generated per unit time can be relatively large compared to PoW and PoS. At this time, representatives can have the right to create blocks and add them to the blockchain according to the order assigned randomly in each round, and nodes elected as malicious users by voting among representatives can be expelled from the blockchain network. You can maintain a blockchain network.

Although three methods for ensuring the integrity of blockchain data have been described above, other methods for ensuring integrity may be used without being limited thereto.

3 is a block diagram of a virtual currency service providing server according to an embodiment of the present invention.

Referring to FIG. 3, the virtual currency service providing server according to an embodiment of the present invention includes a receiving unit 310, a payment unit 320, an update unit 330, a payment data storage unit 340, a service data storage unit ( 350).

The virtual currency service providing server 300 according to an embodiment of the present invention or another server (not shown) operating in conjunction with the virtual currency service providing server 300 includes at least one customer terminal 100, at least one affiliate When a virtual currency payment service application, program, app page, web page, interface configuration information, etc. is transmitted to the terminal 200, at least one customer terminal 100 and at least one affiliate terminal 200 provide virtual currency payment service Applications, programs, app pages, web pages, interfaces, etc. may be installed, executed, displayed, and the like. In addition, the service program may be driven in at least one customer terminal 100 and at least one affiliate terminal 200 by using a script executed in a web browser. Here, the web browser is a program that enables the use of web (WWW: world wide web) services and means a program that receives and displays hypertext described in HTML (hyper text mark-up language). For example, Netscape , Explorer, Chrome, etc. In addition, an application means an application on a terminal, and includes, for example, an app executed on a mobile terminal (smart phone, etc.).

At this time, the connection of the network is such that at least one customer terminal 100, at least one affiliate terminal 200, virtual currency service providing server 300, and virtual currency quote providing server 300 are connected to the network to communicate with each other For this purpose, it means creating a communication object on the communication contact point. The virtual currency service providing server 300 may exchange data with each other through a communication object.

The receiving unit 310 may receive information about goods transaction through virtual currency from the customer terminal 100 and the affiliate terminal 200 . Here, the transaction information may also include information on a refund request generated from the customer terminal 100 .

The payment unit 320 may determine whether or not to pay for the product based on information received from the customer terminal 100 and the affiliate terminal 200 and perform the payment. This may be performed in conjunction with the virtual currency quote providing server 400 .

Specifically, when a buyer wants to purchase an item worth $10 from an affiliated store, and the buyer of the item makes a payment through a first coin, which is an arbitrary hypothesized virtual currency, information about this is transmitted to the customer terminal 200. and a process for transferring the first coin equivalent to 10$ from the customer terminal 100 to the virtual currency service providing server 300 may be executed.

Here, the first coin referred to may be New Earth Coin (NEC), a white paper of which was released in the second half of 2020, as an example, but is not limited thereto. That is, the designated first coin may be an existing virtual currency such as Bitcoin, Ethereum, or Ripple, in addition to New Earth Coin.

In addition, based on the refund request received from the customer terminal 100 and information on the refund approval received from the affiliate terminal 200, it is possible to determine whether or not to refund, and perform the refund. This may be performed in conjunction with the virtual currency quote providing server 400 and the spot currency service providing server 500 .

Specifically, when a purchaser purchases an item worth 10$ from an affiliated store and a request for a refund occurs thereafter, information on the setting of the affiliated terminal 200 and whether or not the refund is approved is aggregated and the purchase price is sent to the customer terminal. Refund procedures can be performed for

More specifically, the payment unit 320 may determine whether the number of virtual currencies to be refunded to the customer terminal 100 is determined based on the value of the virtual currency at a point in time during the refund procedure.

The update unit 330 may update the ledger data recorded with the virtual currency to be shared by at least one node of the black chain when the payment of the payment according to the payment and refund is completed. That is, among the information stored in the payment data storage unit 340 and/or the service data storage unit 350, information shared through a block chain may be updated to be shared with other nodes.

The payment data storage unit 340 may store the customer terminal 100 by specifying one node of the block chain. When a purchase is made at the customer terminal 100, a purchaser must go through a process of checking which virtual currency and how much he or she has so that no buyer can arbitrarily cheat on his purchase or sale amount, so when designating a node , the authentication process is performed through the agreement of the terminal existing in the node. After going through this process, the payment data storage unit 330 stores information about the purchase amount of the customer terminal 100 in the database.

Here, the payment data storage unit 330 may be a transaction database in which virtual currency transaction details are stored in a node of a network within a block chain for a transaction of virtual currency, and an application database applied to a preset application based on the transaction. there is. Accordingly, when a payment is made at the customer terminal 100, it is synchronized with the blockchain network and the customer terminal 100 can be registered as a virtual currency payer in the transaction database, which will be performed through the update unit 330. can

The service data storage unit 340 may store comprehensive information on transactions performed using the virtual currency service providing server according to an embodiment of the present invention. The corresponding data may be stored in conjunction with the block chain stored in the payment data storage unit 330 by designating one node of the block chain. That is, it may be a database of another layer on a smart contract that is linked with the payment data storage unit 330. In addition, without being limited thereto, data may be stored using a centralized data storage device according to the type of information to be collected.

The service data storage unit 340 is, for example, information on virtual currency used in the transaction, information on the transaction item, information on the payment time, information on the market price for each virtual currency at the time of payment, information on the payment store Information on the location, information on the type of payment store, etc. may be included, and the maximum amount of information may be included within a collectable range.

Here, the block chain can configure a network by country, region, and service. For example, when affiliated stores are scattered all over the country, all of them can be configured as a single blockchain network, or can be configured as multiple networks classified by region.

Let's take a look at the purchase and refund process through the example below.

For example, if a buyer purchases an item worth $10 from a merchant and pays 10 first coins for the purchase price of the item (at the time of purchasing the item, the value of the spot currency corresponding to one first coin is $1 Assume), the virtual currency service providing server 300 may store the purchase price received from the customer terminal 100 as a first coin according to the preset setting of the affiliate terminal 200 or a response to the provision of transaction information, and , it can be exchanged for spot currency and stored.

When the purchase is confirmed because a refund request is not generated from the customer terminal 100 for a predetermined period of time (eg, it may be 14 days), or the purchase is confirmed because information on the purchase confirmation is received from the customer terminal 100 , The virtual currency service providing server 300 transfers the stored purchase price to the affiliate terminal 200 .

Here, when the purchase price is stored as the first coins, the ten first coins stored at the time of purchase confirmation may be provided to the affiliate terminal 200 as they are. In contrast, when the purchase price is converted into spot currency and stored, the spot currency equivalent to 10 $ stored at the time of purchase confirmation may be provided to the affiliate terminal 200 .

On the other hand, if a refund request is generated from the customer terminal 100 for a predetermined period (eg, it may be 14 days), it is provided to the affiliate terminal 200, and if the refund is approved, the purchase price stored It is provided to the customer terminal 100 to perform a refund procedure.

Here, if the purchase price is stored in spot currency and the market price of the first coin rises to $2 per coin at the time of refund, the virtual currency service providing server 300 converts the $10 spot currency it possesses to 5 dollars according to the market price at the time of refund. After exchanging the number of 1st coins, a refund procedure may be performed by providing 5 1st coins having a value of 10$ to the customer terminal 200 . In this way, abuse of refunds due to fluctuations in the market price of virtual currency can be prevented by making the buyer who requested a refund bear the damages caused by the increase in the market price of virtual currency (including the inability to enjoy the benefits caused by the increase in virtual currency).

On the other hand, the virtual currency service providing server 300 is not limited to converting the 10$ spot currency it has into 5 first coins and providing it as a refund, and the virtual currency service providing server 300 has Five first coins may be provided as refund money. In this case, when a refund request occurs in a situation where the purchase price is stored in cash, it can be simplified by omitting another exchange procedure for the refund that occurs each time.

On the other hand, the virtual currency service providing server 300 may provide the 10$ spot currency it had as a refund, and for this purpose, a separate approval procedure may be further performed on the customer terminal 100, the affiliate terminal 200, etc. may be Even in this case, when a refund request occurs in a situation where the purchase price is stored in cash, the procedure can be simplified by omitting another exchange procedure for the refund that occurs each time.

On the other hand, if the purchase price is stored in spot currency and the market price of the first coin drops to $0.5 per coin at the time of refund, the virtual currency service providing server 300 converts the $5 spot currency it possesses to 10 according to the market price at the time of refund. After exchanging the number of first coins, a refund procedure may be performed by providing 10 first coins to the customer terminal 200 . In this case, the value of the purchase price converted into spot currency actually received by the customer terminal 200 is 5$, which may be less than 10$, which is the value of spot currency corresponding to the purchase price at the time of purchase. In this way, by making the purchaser who requested a refund bear the damage caused by the decrease in the market price of the virtual currency, abuse of refund due to fluctuations in the market price of the virtual currency can be prevented.

In addition, in the virtual currency providing server 300, the difference in value due to the refund (specifically, from 10 $ received and stored, subtracting the value of 10 first coins worth 5 $ provided to the customer terminal due to the refund) amount) may remain, which may be acquired by the virtual currency service providing system 10 to cover the cost of operating the system. In addition, through such income, it is possible to minimize the use fee of the virtual currency service system 10 imposed on the affiliated terminal 200, and instead of charging a fee per payment, a flat fee for the use of each period, which is generally cheaper than this, can be used to minimize virtual currency. The service providing system 10 may be operated.

In addition, by partially providing the difference in value due to the refund to the purchase terminal 200, the virtual currency service providing system 10 can secure a large number of affiliate terminals 100.

On the other hand, the virtual currency service providing server 300 is not limited to converting the 5$ spot currency it has into 10 first coins and providing it as a refund, and the virtual currency service providing server 300 has Ten first coins may be provided as refund money. In this case, when a refund request occurs in a situation where the purchase price is stored in cash, it can be simplified by omitting another exchange procedure for the refund that occurs each time.

On the other hand, the virtual currency service providing server 300 may provide the 5$ spot currency it had as a refund, and for this purpose, a separate approval procedure may be further performed on the customer terminal 100, the affiliate terminal 200, etc. may be Even in this case, when a refund request occurs in a situation where the purchase price is stored in cash, the procedure can be simplified by omitting another exchange procedure for the refund that occurs each time.

On the other hand, if the purchase price is stored as the first coin and the market price of the first coin rises to $2 per coin at the time of refund, by providing the customer terminal 200 with five first coins corresponding to the spot currency value of $10. A refund procedure can be performed. In this way, by making the purchaser who requested a refund bear the damage caused by the increase in the market price of the virtual currency, it is possible to prevent abuse of the refund due to fluctuations in the market price of the virtual currency.

In addition, the difference in value due to the refund (specifically, the amount obtained by subtracting the 5 first coins provided to the customer terminal due to the refund from the 10 first coins received and stored in the virtual currency providing server 300) , 5 first coins) may remain, and they may be obtained from the virtual currency service providing system 10 to cover the cost of operating the system. In addition, through such income, it is possible to minimize the use fee of the virtual currency service system 10 imposed on the affiliated terminal 200, and instead of charging a fee per payment, a flat fee for the use of each period, which is generally cheaper than this, can be used to minimize virtual currency. The service providing system 10 may be operated.

In addition, by partially providing the difference in value due to the refund to the purchase terminal 200, the virtual currency service providing system 10 can secure a large number of affiliate terminals 100.

On the other hand, if the purchase price is stored as the first coin and the market price of the first coin decreases to $0.5 per coin upon refund, the refund procedure may be performed by providing 10 first coins to the customer terminal 200 . In this case, the value of the purchase price converted into spot currency actually received by the customer terminal 200 is 5$, which may be less than the value at the time of purchase, 10$. In this way, by making the purchaser who requested a refund bear the damage caused by the decrease in the market price of the virtual currency, abuse of refund due to fluctuations in the market price of the virtual currency can be prevented.

4 is a flowchart illustrating a virtual currency service providing method according to an embodiment of the present invention.

Referring to FIG. 4 , as a first step of the virtual currency service providing method according to an embodiment of the present invention, the customer terminal 100 transmits purchase information and purchase price to the virtual currency service providing server 300 ( S10).

Next, the virtual currency service providing server 300 transmits purchase information to the affiliate terminal 200 (S20).

In addition, the virtual currency service providing server 300 transmits the purchase information to the affiliate terminal 200, and at the same time, according to the settings of the affiliate terminal 200 and the virtual currency service provider 300, the received information from the customer terminal 100 The purchase price is held in virtual currency or converted into spot currency and retained (S30).

Next, the seller who has confirmed the purchase information through the affiliate terminal 200 delivers the product to the purchasing customer who is the user of the customer terminal 100 (S40). This process may not be performed through the virtual currency service providing system 10 .

Next, if the buyer who has received the product intends to cancel the product purchase, the customer terminal 200 requests the virtual currency service providing server 300 to cancel the purchase (S50).

Next, upon receiving the purchase cancellation request, the virtual currency service providing server 300 transmits purchase cancellation information to the affiliate terminal 200 .

Next, when the seller confirms the purchase cancellation information and intends to approve the purchase cancellation, the seller transmits cancellation approval information through the affiliate terminal 200 (S70).

Next, the virtual currency service providing server 300 receiving the cancellation approval information transmits the cancellation approval information to the customer terminal 100 (S80).

Next, after confirming the customer's intention to approve the cancellation, the customer delivers the product to the seller. This process may not be performed through the virtual currency service providing system 10 .

Next, the seller receiving the goods to be returned transmits information on completion of the delivery to the virtual currency service providing server 300 through the affiliate terminal 200 (S100).

Next, the virtual currency service providing server 300 receiving the information on the completion of the return transmits the refund price to the customer terminal 100 . Here, the purchaser requesting the refund may bear the damage caused by the fluctuation of the virtual currency market price between the transmission of the refund price after the transfer of the purchase price. Through this, it is possible to prevent abuse of refund due to fluctuations in the market price of virtual currency.

5 is a flowchart illustrating a virtual currency service providing method according to an embodiment of the present invention.

Referring to FIG. 5 , as a first step of the virtual currency service providing method according to an embodiment of the present invention, the customer terminal 100 transmits purchase information and purchase price to the virtual currency service providing server 300 ( S10).

Next, the virtual currency service providing server 300 transmits purchase information to the affiliate terminal 200 (S20).

In addition, the virtual currency service providing server 300 transmits the purchase information to the affiliate terminal 200, and at the same time, according to the settings of the affiliate terminal 200 and the virtual currency service provider 300, the received information from the customer terminal 100 The purchase price is held in virtual currency or converted into spot currency and retained (S30).

Next, the seller who has confirmed the purchase information through the affiliate terminal 200 delivers the product to the purchasing customer who is the user of the customer terminal 100 (S40). This process may not be performed through the virtual currency service providing system 10 .

Next, if the purchaser who received the goods has confirmed the purchase of the product or the deadline for canceling the purchase has passed (eg, it may be 14 days), the customer terminal 100 confirms the purchase or the deadline for canceling the purchase has passed transmits the information to the virtual currency service providing server 300 (S51). Here, when the purchase cancellation possibility has passed, the virtual currency service providing server 300 may determine that the purchase cancellation possibility expiration date has passed by itself without separate information transmission from the customer terminal 100 .

Next, the virtual currency service providing server 300 transmits the purchase price to the affiliate terminal 200 . Here, when the purchase price is stored in virtual currency, the stored virtual currency at the time of purchase confirmation may be provided to the affiliate terminal 200 as it is. Unlike this, when the purchase price is converted into spot currency and stored, the spot currency stored at the time of purchase confirmation may be provided to the affiliate terminal 200 .

6 is a flowchart illustrating the operation of a virtual currency service providing server according to an embodiment of the present invention.

Referring to FIG. 6 , the virtual currency service providing server 300 according to an embodiment of the present invention receives purchase information and purchase price from the customer terminal 100 (S210).

Next, the purchase information received from the customer terminal 100 is transmitted to the affiliate terminal 200 (S220).

Next, it is checked whether there is a retention request after exchanging the purchase price from the affiliate terminal 200 into spot currency (S230). When there is a request for holding the purchase price in spot currency from the affiliate terminal 200, the purchase price is converted into spot currency and stored (S240).

Next, it is checked whether a purchase cancellation request is received from the customer terminal 100 (S250). If a purchase cancellation request is not received from the customer terminal 100, it is checked whether a certain period of time (eg, 14 days) has elapsed after purchase and whether information about purchase confirmation is received from the purchase terminal 100. Do (S260). If the period elapses or if information on purchase confirmation is received, the affiliate terminal 200 pays the spot currency stored as the purchase price (S270), and this information has not been received or a certain period has not yet elapsed after purchase If not, it continuously checks whether purchase cancellation information is being transmitted.

On the other hand, when a purchase cancellation request is received from the customer terminal 100, it is checked whether the market price of the virtual currency has risen after receiving the purchase price (S280), and if the market price of the virtual currency has risen, the purchase price is sent to the customer terminal 100. The virtual currency corresponding to the value of the purchase price at the time of receipt is refunded (S290).

On the other hand, if the market price of virtual currency decreases after receiving the purchase price, virtual currency equal to the number of virtual currencies received as the purchase price is refunded to the customer terminal 200 (S300). In this way, by making the purchaser who requested a refund bear the damage caused by the decrease in the market price of the virtual currency, abuse of refund due to fluctuations in the market price of the virtual currency can be prevented.

On the other hand, as a result of checking whether there is a request from the affiliate terminal 200 to retain the purchase price after exchanging it into spot currency (S230), when a request is received from the affiliate terminal 200 to store the purchase price in virtual currency, the purchase price is stored as virtual currency (S310).

Next, it is checked whether a purchase cancellation request is received from the customer terminal 100 (S320).

If a purchase cancellation request is not received from the customer terminal 100, it is checked whether a certain period of time (eg, 14 days) has elapsed after purchase and whether information about purchase confirmation is received from the purchase terminal 100. Do (S330). If the period elapses or if information on purchase confirmation is received, the virtual currency stored as the purchase price is paid to the affiliate terminal 200 (S340), and such information has not been received or a certain period of time has not yet elapsed after purchase If not, it continuously checks whether purchase cancellation information is being transmitted.

On the other hand, when a purchase cancellation request is received from the customer terminal 100, it is checked whether the market price of virtual currency has risen after receiving the purchase price (S350), and if the market price of virtual currency has risen, the purchase price is sent to the customer terminal 100. The virtual currency corresponding to the value of the purchase price at the time of receipt is refunded (S360). In this way, by making the purchaser who requested a refund bear the damage caused by the increase in the market price of the virtual currency, it is possible to prevent abuse of the refund due to fluctuations in the market price of the virtual currency.

On the other hand, if the market price of virtual currency has decreased after receiving the purchase price, virtual currency equal to the number of virtual currencies received as the purchase price is refunded to the customer terminal 200 (S370). In this way, by making the purchaser who requested a refund bear the damage caused by the decrease in the market price of the virtual currency, abuse of refund due to fluctuations in the market price of the virtual currency can be prevented.

7 is a flowchart illustrating the operation of a virtual currency service providing server according to another embodiment of the present invention.

Among the procedures shown in FIG. 7 , a description of the same procedure as that shown in FIG. 6 will be omitted.

Referring to FIG. 7 , the operation of the virtual currency service providing server according to this embodiment, unlike the operation of the virtual currency service providing server according to the embodiment shown in FIG. After the virtual currency corresponding to the value of the purchase price at the time is refunded to the buyer (S360), all or part of the difference between the value at the time of refund of the virtual currency received as the purchase price and the value of the refunded virtual currency is converted into spot currency. It can be done (S380).

Here, if all of the difference between the value of the virtual currency received as the purchase price and the value of the refunded virtual currency is converted into spot currency, the customer terminal 100 naturally acquires spot currency that exceeds the spot currency delivered as refund money. Therefore, the virtual currency service providing system 10 can be stably operated.

On the other hand, if a part of the difference between the value of the virtual currency received as the purchase price and the value of the refunded virtual currency is exchanged for spot currency, the minimum spot currency required to operate the virtual currency service providing system 10 At the same time as the preparation, since the virtual currency service providing server 300 can continuously possess virtual currency that is on the rise, additional gains due to an increase in the market price of virtual currency can be expected in the future.

8 is a flowchart illustrating the operation of a virtual currency service providing server according to another embodiment of the present invention.

Among the procedures shown in FIG. 8 , a description of the same procedure as that shown in FIG. 6 will be omitted.

Referring to FIG. 8 , the operation of the virtual currency service providing server according to this embodiment is different from the operation of the virtual currency service providing server according to the embodiment shown in FIG. After refunding as many virtual currencies as the number of virtual currencies (S300), a part of the difference between the value of the purchase price and the value of the refund may be transmitted to the affiliate terminal 200.

In addition, after refunding the virtual currency corresponding to the value of the purchase price at the time of receiving the purchase price to the customer terminal 100 (S360), part of the difference between the value of the purchase price and the value of the refund is returned to the affiliate terminal 200 can also be sent to

Through this, coexistence and profit sharing between sellers using the affiliated terminal 200 and the virtual currency service providing system 10 may be possible, and many sellers may be provided with the virtual currency service providing system 10 according to the embodiment of the present invention. ) can be encouraged to participate.

9 is a flowchart illustrating a virtual currency service providing method according to another embodiment of the present invention.

Among the procedures shown in FIG. 9, a description of the same procedure as that shown in FIG. 4 will be omitted.

Referring to FIG. 9 , the virtual currency service providing method according to this embodiment, unlike the virtual currency service providing method according to the embodiment shown in FIG. 4 , after receiving information on cancellation approval from the affiliate terminal 200 ( S70), the purchase price stored in virtual currency is exchanged for spot currency (S71). If the purchase price was converted into spot currency and stored, the corresponding procedure can be omitted.

In this case, the time when the cancellation approval information is provided to the customer terminal 100 (S80), the goods are returned (S90), and the information on the completion of the goods return is transmitted to the virtual currency service providing server 300 (S100). It is possible to minimize the change in the value of the purchase price, which was kept in virtual currency for a while. Through this, it is possible to minimize the change in the value of the refund money. Here, the refund money provided to the customer terminal 100 may be refunded by being converted back into virtual currency upon refund, or may be refunded into spot currency since it has already been converted into spot currency.

Meanwhile, as another method for minimizing the change in the value of the refund, the transaction may be canceled by applying a separate virtual currency market price calculated by mitigating the market price fluctuation of the virtual currency. Hereinafter, a method of calculating a separate virtual currency by mitigating fluctuations in the market price of virtual currency will be described.

10 and 11 are diagrams for explaining a method of calculating a market price of a virtual currency whose volatility is alleviated in a virtual currency service providing server according to an embodiment of the present invention. 12 to 17 are diagrams for explaining a method of setting a section to mitigate fluctuations in the market price of virtual currency.

As described above, virtual currency has a problem in that its value fluctuates in real time. Therefore, in order to 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, the exchange value of virtual currency is secured and through this, virtual currency is used as a payment method. You need to find a way to do it.

10 is a simplified graph showing price fluctuations of an exemplary virtual currency (hereinafter, referred to as a 'designated coin'). 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 a virtual currency exchange is displayed on an hourly basis, 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 determine the designated coin as the payment currency or the virtual currency used when canceling the transaction.

In order to mitigate this range of fluctuation, a method of dividing and fixing the value of a designated coin into a certain range can be used. For example, it is possible to divide the interval by 4 hours and fix the average value of the trading 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. 10 , 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 can be fixed at 25 won and used as the market price of the designated coin at the time of payment or cancellation of the transaction.

In the second section of FIG. 10 (eg, the second subsection), the price of the designated coin changes 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 a system that uses a designated coin for payment during the third period, the value of the designated coin can be fixed at 25 won and used as the market price of the designated coin at the time of payment or cancellation of the transaction.

In the third section (eg, the third subsection) of FIG. 10 , 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 section, the value of the designated coin can be fixed at 35 won and used as the market price of the designated coin at the time of payment or cancellation of the transaction.

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 fluctuation range of the exchange value is reduced in this way, it is possible to secure transaction stability for payment and cancellation of payment using the designated coin.

In FIG. 10, the idea of fixing the average value of exchange prices in the nth section to the exchange value in the n+1th section is shown in a table as shown in FIG. 11. Referring to FIG. 11, after averaging the price and exchange price of designated coins exchanged on the exchange from 00:01 to 04:00, the first interval, 25, the average value, is fixed as the exchange value of the second interval, and it is announced. , 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, and the average value of 25 is fixed as the exchange value of the third section, and after this is announced, the announced exchange value is based on proceed with payment.

Similarly, from 08:01 to 12:00 in the 3rd section, the price of designated coins exchanged at the exchange and the exchange price are averaged, and the average value, 35, is fixed as the exchange value in the 4th section, and after this is announced, the announced exchange value is based on the standard proceed with payment.

Since then, the specific city has been omitted from the fourth section (eg, the fourth subsection), but as above, if one section is a unit of 4 hours, 24 hours down the road (eg, the major section) is divided into 6 sections, and as above The process can be repeated.

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

On the other hand, the virtual currency transaction value used for the average, that is, the currency exchange may exist in several places due to its nature. To this end, the virtual currency payment system according to the present invention is calculated through partnership with any one or more than one of many virtual currency exchanges, and the type of exchange used for average can be disclosed through the customer terminal.

On the other hand, through the above-described method, volatility can be mitigated through an average of values within an interval, and a method for setting the number of intervals will be additionally described below.

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. 22, it is as shown in FIG. 12. 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 ago in 30-minute increments, is displayed in red, and the 20 sections before 12:00, that is, 10 hours in 30-minute increments 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. 12, the 20-section moving average line, which has a large range for averaging, shows a difference of about 4,000-3,600 = 4 million won compared to the 13:00 peak price. 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.

13 is an example of adaptively setting a period according to a price change of a designated coin. As can be seen in FIG. 13, the range to be applied for the next day can be applied in various ways 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 into 6 sectors 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 into 2 hour units 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. 13 is an example to help understanding of the invention, and it may be possible to set the range of fluctuations and the corresponding interval unit 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. 13 , 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.

14 is an example of setting the period of the first day, and FIG. 15 is an example of setting the period of the second day.

Referring to FIGS. 14 and 15 , examples of cases 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 o'clock on the first day, an announcement such as "This afternoon, the fixed value will be announced by dividing it into 4 sections of 3 hours". In the third set, you can see that the second period is 6 hours divided into two sections from 3-1 to 1-2. At 00:00 on the 2nd day, an announcement such as “This morning, fixed values will be announced divided into 2 sections in 6-hour increments.” In the 4th set, it can be seen that the second period is 2 hours divided into 6 sections from 4-1 to 4-6. At 12 o'clock on the second day, an announcement such as "This afternoon, the fixed value will be announced by dividing it into 6 sections in 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, fixed values are announced by dividing them into 3 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 2 sections by 5 hours 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 today at 24:00."

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 react less sensitively to the price change of the exchange, so the first period is set large, and during the daytime when the payment is high, the first period is set small to be more sensitive to the price change of the exchange. can

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

16 and 17 are views for explaining a method of obtaining an average value to mitigate price fluctuations of virtual currency according to an embodiment of the present invention.

Fig. 16 is a diagram showing the positive, negative, and flat candlesticks 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 FIGS. 14 and 15, 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 00:00 belonging to section 1-1 of case A in FIG. On the candle chart in 1-hour increments at 06:00, add the opening price for each hour and average it to use as a fixed value in the 1-2 section, add the closing price and average it and use it as a fixed value in the 1-2 section, or add the high price It can be averaged and used as a fixed value in the 1-2 range, or it can be averaged by adding the lowest price and used as a fixed value in the 1-2 range.

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. 17 , it can be seen that the trading volume is displayed below in the graph of FIG. 10 . 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 - > 30 won -> 20 won -> 30 won -> 40 won -> 50 won while the price fluctuates in the order of 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. 17 , in the first section, the price of the designated coin fluctuated 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. 10 , the price of designated coins fluctuated in the order of two 20 won -> one 30 won -> two 20 won -> two 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. 10 , 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 section, 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, the average value may be obtained using any one of the open price, close price, high price, and low price, as shown in FIG. 16, without calculating the average unit price. In the case of FIG. 10 and FIG. 17, 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 above, if you divide the interval and find the average of the transaction prices of the virtual currency of the exchange and fix it as the exchange value of the virtual currency, you can use the virtual currency as one of the payment methods.

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 can 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.

10: Virtual currency service provision system
100: customer terminal
200: Affiliate terminal
300: virtual currency service providing server

Claims (8)

In the service providing method performed in the virtual currency service providing server,
Receiving purchase information and purchase price through virtual currency from a purchase terminal;
Transmitting the purchase information to an affiliate terminal;
Receiving, from the affiliated terminal, request information about whether to store the purchase price by converting it into spot currency or storing it in virtual currency;
Storing the purchase price in spot currency or virtual currency according to the requested information of the affiliated terminal;
Receiving a refund request from the purchase terminal;
refunding the purchase price to the purchase terminal; and
Receiving in real time market price information of the virtual currency from a virtual currency market price information server;
When the purchase price is exchanged into the spot currency and stored according to the request information, the step of refunding,
If the market price of the virtual currency increases compared to the time of receiving the purchase price, refund the virtual currency corresponding to the value of the purchase price based on the market price information at the time of receiving the refund request;
When the market price of the virtual currency decreases compared to the time at which the purchase price is received, refunding as many virtual currencies as the number of virtual currencies received as the purchase price;
When the purchase price is stored in the virtual currency according to the request information, the step of refunding,
If the market price of the virtual currency increases compared to the time of receiving the purchase price, refund the virtual currency corresponding to the value of the purchase price based on the market price information at the time of receiving the refund request;
and refunding as many virtual currencies as the number of virtual currencies received as the purchase price when the market price of the virtual currency decreases compared to a time point at which the purchase price is received. According to claim 1,
Receiving the purchase price through the virtual currency,
Calculating a value of the virtual currency based on the market price information of the virtual currency received from the virtual currency market information server; and
And calculating the number of virtual currencies for an item to be purchased based on the calculated virtual currency value. According to claim 2,
Calculating the value of the virtual currency,
determining an interphase of a predetermined length of time;
Determining the number of sub-intervals dividing the one sub-interval or the time length of one sub-interval;
Determining the number of three sections dividing the one sub-section or the time length of one of the three sections;
Collecting the market price of the virtual currency for each of the three sections, and
and calculating a value of virtual currency for one sub-period to which the plurality of three periods belong by averaging market prices of the virtual currency for each of the plurality of three periods. According to claim 3,
In the step of calculating the number of virtual currencies for the item to be purchased,
and calculating the number of virtual currencies according to virtual currency values during a first sub-period immediately before the second sub-interval when the purchase information is received belongs to the second sub-interval. How to provide. According to claim 3,
In the step of determining the number of the sub-intervals or the time length of the sub-intervals dividing any second sub-interval,
Determining the number or length of time of sub-periods dividing the second sub-period in conjunction with the fluctuation range of the virtual currency during the first sub-interval time immediately preceding the second sub-interval of the virtual currency service How to provide. According to claim 3,
24 hours is divided into a plurality of said interphases including a first interphase and a second interphase;
The length of time between the first phase and the length of time between the second phase are different, but the length of time between the first phase and the length of time between the second phase are differentiated based on the transaction amount of virtual currency. Virtual currency service providing server according to claim 1;
a customer terminal transmitting purchase information to the virtual currency service providing server;
an affiliate terminal receiving the purchase information from the virtual currency service providing server; and
A virtual currency service providing system comprising a virtual currency quote providing server providing virtual currency quote information to the virtual currency service providing server. delete