KR102658994B1 - Crypto-currency payment system and method for improving transaction stability of crypto-currency using deposit and protecting sales entity - Google Patents

Abstract

A payment service providing method executed on a payment service providing server is disclosed. The payment service provision method includes receiving a deposit using real currency from a virtual currency issuing server, activating a transaction using virtual currency between a customer terminal and an affiliated terminal, and receiving a first settlement payment using the virtual currency from the affiliated terminal. receiving and providing real currency corresponding to the value of the first settlement amount to the affiliated terminal, providing a second settlement amount using the virtual currency to the virtual currency issuing server, and the deposit is a preset amount If it falls below or below a preset rate, it includes the step of additionally receiving the deposit from the virtual currency issuing server.

Description

Cryptocurrency payment system and method to improve the transaction stability of cryptocurrency using deposits and protect the seller {CRYPTO-CURRENCY PAYMENT SYSTEM AND METHOD FOR IMPROVING TRANSACTION STABILITY OF CRYPTO-CURRENCY USING DEPOSIT AND PROTECTING SALES ENTITY}

The present invention relates to a method and system for providing payment services that improve the stability of transactions through virtual currency.

In detail, in the transaction of real goods through virtual currency, it relates to a payment service provision method and system that improves the stability of the exchange of virtual currency held by the seller of goods and services into spot currency after transaction through virtual currency. .

Currency that does not exist in the physical form, such as banknotes or coins, but remains in the form of information on computers, etc. and is traded only through cyberspace, is collectively referred to as virtual currency or virtual asset. Virtual currency (or virtual assets) may be referred to as virtual currency, etc. depending on the way it is implemented, or depending on 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 the government, central bank, or specific issuing entity. On the other hand, cryptocurrency, or cryptocurrency, is different from regular currency or electronic money issued by the government or central bank, and its rules and value are determined according to the rules set by the person who first designed it. Additionally, it has the characteristic of being distributed based on blockchain technology without the government or central bank managing transaction details. In other words, cryptocurrencies involve encryption technology in the process of issuing currency and approving transactions and have the characteristics of a decentralized currency.

Blockchain technology or blockchain security technology is a distributed data storage technology that stores data in blocks, connects them in the form of a chain, and copies and stores them on numerous computers simultaneously. Rather than a centralized server, transaction details are disclosed to all participants in the transaction, and there is an advantage in that data cannot be forged or altered through information sharing and comparison between participants each time a transaction occurs. Blockchain technology is being used in the field of virtual currency, especially cryptocurrency, due to the above advantages.

Additionally, cryptocurrency can be broadly divided into coins or tokens. In general, if an independent blockchain network is owned, it is referred to as a coin, and ERC20-based cryptocurrency that does not own an independent blockchain network is classified as a token. However, the terms coin and token used in this specification do not have any practical benefit and are used interchangeably. Do this.

A representative cryptocurrency is Bitcoin, which was first developed in 2009, and there are more than 2,000 known cryptocurrencies. However, as mentioned above, since cryptocurrency is distributed based on blockchain technology without the government or central bank involved in transaction details, the government does not guarantee value or payment. Accordingly, cryptocurrency had limitations in that its value was highly volatile and it was difficult to use it for actual transactions.

As mentioned above, it is no exaggeration to say that the survival of virtual currencies, including cryptocurrency, depends on the continued actual use of cryptocurrency. In particular, it is expected that the volatility of cryptocurrency value will be resolved by encouraging users to recognize the potential inherent value embodied in virtual and intangible currency from users' interest in virtual currency and actual transactions using it, rather than imposing policy regulations.

However, existing virtual currencies are limited to use as a means of speculation or accumulation of assets. This can be found in a reverse cycle structure in which the actual use of virtual currency is difficult due to the volatility of virtual currency, which leads to loss of value due to undervaluation of virtual currency. Additionally, there are many types of virtual currency, so it may be difficult to choose which currency to use. Accordingly, there were insufficient factors for both consumers and sellers to accept a payment system using virtual currency. Therefore, the inventors of the present invention propose the present invention based on the idea that a virtual currency that can grow sustainably can be developed by arousing the needs of users and sellers to use virtual currency.

Meanwhile, the volatility of the value of virtual currency mentioned above causes 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 unique characteristic of virtual currency, which is decentralized. This may cause unexpected damage to either of the two traders, that is, the seller or the buyer. After trading through virtual currency, there is a need to ensure the stability of the exchange of virtual currency into spot currency.

In other words, the problem that the present invention aims to solve is to provide a method of providing a payment service that guarantees the stability of exchanging virtual currency into spot currency after a transaction through virtual currency.

Another problem that the present invention seeks to solve is to provide a payment service providing system that guarantees the stability of exchange of virtual currency into spot currency after a transaction through virtual currency.

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

A payment service providing method executed on a payment service providing server according to an embodiment of the present invention to solve the above problem includes the steps of receiving a deposit using real currency from a virtual currency issuing server, and transferring virtual currency between a customer terminal and an affiliated terminal. Activating a transaction, receiving a first settlement payment using the virtual currency from the affiliated terminal, providing real currency corresponding to the value of the first settlement payment to the affiliated terminal, using the virtual currency Providing a second settlement amount to the virtual currency issuing server, and when the deposit falls below a preset amount or below a preset rate, additionally receiving the deposit from the virtual currency issuing server.

Additionally, when the deposit falls below a preset amount or below a preset rate, it may include the step of notifying the affiliated terminal.

Additionally, the preset amount of the deposit may be proportional to the total issued amount of the virtual currency.

Additionally, if the deposit falls below a preset amount, the value of the virtual currency may decrease in inverse proportion to the deposit.

In addition, the step of providing the first settlement amount and the step of providing the second settlement amount are performed periodically, and when the market price of the virtual currency fluctuates more than a preset range, the first payment is made using the virtual currency from the affiliated terminal. 3. It may further include receiving a settlement payment and providing real currency corresponding to the tentative name of the third settlement payment to the affiliated terminal.

In addition, when the market price of the virtual currency fluctuates more than a preset range, a fourth settlement amount is provided to the virtual currency issuing server using the virtual currency, and a fourth settlement amount corresponding to the value of the fourth settlement amount is received from the virtual currency issuing server. It may include the step of receiving real currency.

Additionally, the price fluctuation range of the virtual currency for which the third settlement fee is settled may be smaller than the price fluctuation range for the virtual currency for which the fourth settlement fee is settled.

Additionally, when settlement of the third settlement amount is performed, the settlement cycle of the first settlement amount may be initialized.

Specific details of other embodiments are included in the detailed description.

According to embodiments of the present invention, it is possible to provide a payment service providing method that guarantees the stability of exchange of virtual currency into spot currency after a transaction through virtual currency.

In addition, according to embodiments of the present invention, it is possible to provide a payment service providing system that guarantees the stability of exchange of virtual currency into spot currency after a transaction through virtual currency.

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

1 is a configuration diagram illustrating a system for providing a virtual currency payment service according to an embodiment of the present invention.
Figure 2 is a conceptual diagram of a blockchain according to an embodiment of the present invention.
Figure 3 is a block diagram of a payment service providing server according to an embodiment of the present invention.
Figure 4 is a flowchart for explaining a method of providing a payment service according to an embodiment of the present invention.
Figure 5 is a diagram illustrating a screen of a customer terminal according to an embodiment of the present invention.
Figure 6 is a diagram illustrating a screen of an affiliated terminal according to an embodiment of the present invention.
7 to 9 are diagrams illustrating a screen of a customer terminal according to an embodiment of the present invention.
10 to 12 are diagrams illustrating a screen of an affiliated terminal according to an embodiment of the present invention.
Figure 13 is a diagram illustrating a screen of an affiliated terminal according to another embodiment of the present invention.
Figure 14 is a flowchart for explaining a method of providing a payment service according to an embodiment of the present invention.
Figure 15 is a diagram showing an exemplary price fluctuation graph of a first coin according to an embodiment of the present invention.
Figure 16 is a diagram showing an exemplary price fluctuation graph of a first coin according to an embodiment of the present invention.
Figure 17 is a table showing the deposit and the corresponding value of virtual currency according to an embodiment of the present invention.
Figures 18 and 19 are diagrams for explaining a method of calculating the market price of a virtual currency with reduced volatility in a payment service providing server according to an embodiment of the present invention.
Figures 20 to 25 are diagrams for explaining a method of setting a section to alleviate price fluctuations of virtual currency.

The advantages and features of the present invention and methods for achieving them will become clear by referring to the embodiments described in detail below along with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below and will be implemented in various different forms, and only the embodiments serve to ensure that the disclosure of the present invention is complete, and those skilled in the art It is provided to fully inform the person of the scope of the invention, and the present invention is only defined by the scope of the claims. That is, various changes may be made to the embodiments presented by the present invention. The embodiments described below are not intended to limit the embodiments, but should be understood to include all changes, equivalents, and substitutes therefor.

The size, thickness, width, length, etc. of 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 form shown.

Unless otherwise defined, all terms (including technical and scientific terms) used in this specification may be used with meanings that can be commonly understood by those skilled in the art to which the present invention pertains. Additionally, terms defined in commonly used dictionaries are not interpreted ideally or excessively unless clearly specifically defined.

Spatially relative terms such as 'above', 'upper', 'on', 'below', 'beneath', and 'lower' are used in the drawing. As shown, it can be used to easily describe the correlation between one element or component and other elements or components. Spatially relative terms should be understood as terms that include different directions of the element when used in addition to the direction shown in the drawings. For example, when an element shown in a drawing is turned over, an element described as 'below or beneath' another element may be placed 'above' the other element. Accordingly, the illustrative term 'down' may include both downward and upward directions.

As used herein, 'and/or' includes each and every combination of one or more of the mentioned items. Additionally, the singular form also includes the plural form unless specifically stated in the phrase. As used herein, 'comprises' and/or 'comprising' do not exclude the presence or addition of one or more other components in addition to the mentioned components. The numerical range expressed using 'to' indicates a numerical range that includes the values written before and after it as the lower limit and upper limit, respectively. ‘About’ or ‘approximately’ means a value or numerical range within 20% of the value or numerical range stated thereafter.

In this specification, the first direction (X) refers to an arbitrary direction in a plane, and the second direction (Y) refers to another direction intersecting the first direction (X) in the plane. Additionally, the third direction (Z) refers to a direction perpendicular to the plane. Unless otherwise defined, 'plane' means the plane to which the first direction (X) and the second direction (Y) belong. Also, unless otherwise defined, 'overlap' means that components overlap in the third direction (Z) from the above plane viewpoint.

In this specification, 'part' includes a unit realized by hardware, a unit realized by software, and a unit realized using both. Additionally, one unit may be realized using two or more pieces of hardware, and two or more units may be realized using one piece of hardware.

In this specification, some of the operations or functions described as being performed by a terminal, apparatus, or device may instead be performed on a server connected to the terminal, apparatus, or device. Likewise, some of the operations or functions described as being performed by the server may also be performed in 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 identifying data of the terminal. It can be interpreted as:

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

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

Referring to FIG. 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 payment service providing server 300 and a virtual currency issuing server 400. Hereinafter, the word “at least one” is defined as a term that can refer to singular and plural numbers.

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

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

The customer terminal 100 may be a terminal used by consumers of goods and services. The customer terminal 100 may be a terminal that is verified by a blockchain for or after a purchase and forms a node of the blockchain, 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 transaction occurs.

That is, even if the initial activation of the customer terminal 100 is performed through a payment service providing server, virtual currency can be directly transferred to the affiliated terminal 200 as payment after purchasing goods and services from the seller.

Additionally, the customer terminal 100 may be a customer terminal for using a payment service linked through real currency. In this case, the customer terminal 100 may operate in conjunction with the payment service providing server 500 to use a payment service linked to real currency.

Here, the customer terminal 100 may be implemented as a computer that can connect to a remote server or terminal through a network. Here, computers include, for example, set-top boxes, kiosks, car navigation devices, home network devices, home robots, watch phones, Internet-connected cameras, security systems, broadcasting equipment, IPTV, laptops equipped with a web browser, and desktops. It may include (Desktop), laptop (Laptop), etc. Alternatively, the customer terminal 100 may be implemented as a terminal that can connect to a remote server or terminal through the network 600. The customer terminal 100 is, for example, a wireless communication device that guarantees portability and mobility, and includes navigation, personal communication system (PCS), global system for mobile communications (GSM), personal digital cellular (PDC), and personal communication system (PHS). 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 can include all types of handheld wireless communication devices such as smartphones, smartpads, tablet PCs, etc.

The affiliate terminal 200 is a terminal used by a seller of goods and services, and may be a terminal that provides goods and services to consumers and then receives virtual currency from the customer terminal 100 in return. The customer terminal 100 may be a terminal that is verified by a blockchain for or after a transaction and forms a node of the blockchain, or it 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 transaction occurs.

Additionally, the affiliate terminal 200 may be a terminal that receives information about various services supported by the payment service providing server 300 and allows the affiliated store owner to confirm them. In this case, the affiliated terminal 200 may operate in conjunction with the payment service providing server 300 to use a payment service linked to real currency.

Additionally, the affiliated terminal 200 may be a terminal that uses payment services linked to real currency, stores management, and performs customer relationship management (CRM). In this case, the affiliate terminal 200 may be a terminal capable of executing programs containing various functions for store management and customer relationship management.

Here, the affiliate terminal 200 may be implemented as a computer capable of accessing a remote server or terminal through a network. Here, computers include, for example, set-top boxes, kiosks, car navigation devices, home network devices, home robots, watch phones, Internet-connected cameras, security systems, broadcasting equipment, IPTV, laptops equipped with a web browser, and desktops. It may include (Desktop), laptop (Laptop), etc. At this time, the affiliate terminal 200 may be implemented as a terminal that can connect to a remote server or terminal through the network 600. The affiliated terminal 200 is, for example, a wireless communication device that guarantees portability and mobility, and includes navigation, personal communication system (PCS), global system for mobile communications (GSM), personal digital cellular (PDC), and personal communication system (PHS). 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 smartphones, smartpads, and tablet PCs.

The payment service providing server 300 is a server used by the payment service operator. The payment service providing server 300 provides web pages, app pages, applications, or programs that provide payment services using virtual currency, or other servers (not shown) that link these functions with the payment service providing server 300. It may be a server that provides it.

In addition, the payment service providing server 300 provides web pages, app pages, applications, or programs that provide payment services using real currency, or another server (not shown) that links these functions with the payment service providing server 300. ) may be a server provided by . The payment service providing server 300 may operate in connection with a server (not shown) of a financial institution or other payment service provider to provide payment services using real currency.

When the payment service providing server 300 receives a request to view data accumulated within the payment service providing server 300 from the customer terminal 100 and/or the affiliated terminal 200, the accumulated data is sent to the customer terminal ( 100) and/or may be a server provided to the affiliated terminal 200.

The payment service providing server 300 may periodically or temporarily receive virtual currency from the affiliated terminal 200 and provide real currency corresponding to its value to the affiliated terminal 200. That is, the payment service providing server 300 can receive the virtual currency that the affiliated terminal 200 has received and stored from the customer terminal 100 and exchange it for physical currency. Through this, sellers using the affiliated terminal 200 can smoothly exchange virtual currency for spot currency and actively use virtual currency to sell goods and services.

The payment service providing server 300 may be connected to a plurality of virtual currency issuing servers 400, and each virtual currency issuing server may provide services related to one or more virtual currencies.

Meanwhile, the payment service providing server 300 may receive and store a deposit from a virtual currency issuer that operates the virtual currency issuance server 400. The deposit is paid in real currency, and the payment service providing server 300 and the virtual currency issuing server 400 may operate in conjunction to receive the deposit. The deposit can contribute to increasing the stability of the entire payment service provision system by serving as a financial resource for the payment service provision server 300 to exchange the virtual currency held by the affiliated terminal 200 into spot currency.

To this end, the payment service providing server 300 can perform transactions and storage of virtual currency and real currency. Accordingly, the payment service providing server 300 may be a server that forms one node of the blockchain by being verified by a blockchain for transactions through virtual currency or after the transaction, or may be a server that verifies other terminals. It could be a server. Additionally, the payment service providing server 300 may be a terminal that updates ledger data by sharing it when a transaction occurs. Additionally, it may include various functions related to real currency transactions.

Additionally, the payment service providing server 300 may notify the customer terminal 100, the affiliated terminal 200, and the virtual currency issuing server 400 of this when the deposit falls below a preset standard. Through this, the stability of the payment service provision system can be improved by encouraging deposits to be maintained above a certain amount.

In addition, the payment service providing server 300 may include a separate function to store real currency in which the payment service operator stores the fee provided by the virtual currency issuer, or may be connected to an external account, and the fee may be withdrawn directly from the deposit. there is.

The payment service providing server 300 may be implemented as a computer that can access a remote server or terminal through a network. Here, the computer may include, for example, a laptop equipped with a web browser, a desktop, a laptop, etc., but is not limited thereto.

The virtual currency issuance server 400 is a server used by virtual currency issuers. The virtual currency issuing server 400 provides web pages, app pages, applications, or programs that provide payment services using virtual currency, or other servers (not shown) that link these functions with the payment service providing server 300. It may be a server that provides it. Additionally, it may be a server that issues virtual currency and performs management functions for the virtual currency. Additionally, it may be a server that publishes information about node creation and transactions of the corresponding virtual currency.

Meanwhile, the virtual currency issuing server 400 may periodically or temporarily receive virtual currency from the payment service providing server 300. That is, the virtual currency issuing server 400 can receive the virtual currency that the payment service providing server 300 has received and stored from the affiliated terminal 200. Through this, the virtual currency issuer can recover the virtual currency used in the payment service provision system and maintain the value of the virtual currency.

The virtual currency issuing server 400 may provide the deposit to the payment service providing server 300. The deposit is provided in real currency, and the payment service providing server 300 and the virtual currency issuing server 400 may operate in conjunction with each other to provide the deposit. The deposit provided by the virtual currency issuing server 400 to the payment service providing server 300 may be real currency already held by the virtual currency issuer that operates the virtual currency. Instead of receiving virtual currency from the affiliated terminal 200, the payment service providing server 300 withdraws and provides the corresponding real currency from the deposit held, so the payment service providing server 300 of the virtual currency issuing server 400 ) It is essential to consistently replenish the deposit. In addition, the larger the deposit, the more stable the exchange of the virtual currency into real currency, and the more safely a virtual currency issued by a virtual currency issuer that can sufficiently pay the deposit can be used more safely in transactions.

To this end, the virtual currency issuing server 400 can perform transactions and storage of virtual currency and real currency. Accordingly, the virtual currency issuance server 400 may be a server that forms a node of the blockchain by being verified by a blockchain for transactions through virtual currency or after the transaction, or may be a server that verifies other terminals. It could be a server. Additionally, the payment service providing server 300 may be a terminal that updates ledger data by sharing it when a transaction occurs. Additionally, it may include various functions related to real currency transactions.

The virtual currency issuing server 400 may be implemented as a computer that can access a remote server or terminal through a network. Here, the computer may include, for example, a laptop equipped with a web browser, a desktop, a laptop, etc., but is not limited thereto.

Figure 2 is a conceptual diagram of a blockchain according to an embodiment of the present invention.

Referring to Figure 2, Block Chain is a public transaction ledger and a technology that prevents hacking that can occur when trading with virtual currency. At this time, blockchain is a form of distributed database and is a continuously growing data record list that cannot be arbitrarily manipulated by the operator of the distributed node, transaction records in the data record list are mandatorily encrypted, and blockchain software is executed. It operates on a computer, and most cryptocurrencies, including Bitcoin, are based on a form of blockchain technology.

According to the structure of the blockchain, the blockchain uses a consensus convergence algorithm that ensures that the data in the ledger distributed and stored in each node is always kept up to date among a large number of nodes. This structure allows the nodes to run anonymously or It makes it possible for poor connections or even untrustworthy operators to participate.

Additionally, according to the decentralized nature of blockchain, the nodes of every decentralized cryptocurrency have a partial or full blockchain. Accordingly, there is no need to have a centralized database as required by systems such as PayPal. In addition, while a general ledger records the exchange details of checks, receipts, or promissory notes, the blockchain itself is both a transaction ledger and a transaction document (check, receipt, promissory note), so it is a virtual currency system using the blockchain structure. exists in the form of unpaid results of transactions.

For example, a transaction of the form “Payer A sends a certain amount of money to recipient B” is distributed to the blockchain network through a software app (Bitcoin wallet app, etc.), and nodes in the blockchain network verify the transaction. Then, add the transaction to your ledger. A method is used to maintain a common ledger by distributing the ledger with this transaction added to other nodes in the network.

Additionally, blockchains help prevent double spending, and cryptocurrencies use proof-of-work or proof-of-ownership to avoid adding time-stamped transactions to the blockchain by a trusted third party. A variety of time display methods such as -of-take) are used, which allows anyone to easily avoid the problem of double payment. In addition to the concept of blockchain described above, the virtual currency payment service providing system according to an embodiment of the present invention can use a consensus algorithm between users who do not have a trust relationship with each other.

In other words, since any user participating in the blockchain can input, change, or delete data, it is essential to use the consensus algorithm, which is the fundamental technology for reliable transactions without a third party (TTP: Trust Third Party). do. Using a consensus algorithm, the reliability of data stored in the blockchain can be guaranteed after the operation of a specific mechanism between authorized users. As a result, the state of the blockchain is safely updated and maintained, ensuring data integrity within the blockchain.

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

In the first method, PoW allows all transactions that occurred every 10 minutes in Bitcoin to be grouped into one block, connected as a chain in chronological order, and shared across the entire P2P network. Nodes in the network can perform a hash operation on the hash value of the previous block header and the nonce concatenated to find a specific value. 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 the specific value is a 256-bit number that starts with several 0s. Due to the nature of hash operations, inverse operations are difficult, so in order to find a specific value, a process of sequential substitution and operation while changing the nonce may be essential. Because of this process, the time it takes to create a block can be reduced in nodes with higher computing power.

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

In the second method, in PoS, the decision-making power of each node varies depending on the amount of currency held, not computational power. Generally, in order to attack a blockchain, an attacker must occupy more than 51% of the network, but when using PoS, an attack is possible only when the attacker has more than 51% of the total currency holdings, so the cost of the attack from the hacker's perspective is lower than when using PoW. This can greatly increase, increasing security.

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

Three methods for ensuring the integrity of blockchain data have been described above, but the method is not limited to this and other methods for ensuring integrity may be used.

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

Referring to FIG. 3, the payment service providing server 300 according to an embodiment of the present invention includes a virtual currency transaction unit 310, a real currency transaction unit 320, a transaction data storage unit 330, and a service data storage unit. (340), including an information processing unit (350).

The payment service providing server 300 or another server (not shown) operating in conjunction with the payment service providing server 300 according to an embodiment of the present invention includes at least one customer terminal 100 and at least one affiliated terminal ( 200), when transmitting a payment service application, program, app page, web page, interface configuration information, etc., at least one customer terminal 100 and at least one affiliated terminal 200 are connected to the payment service application, program, and app page. , web pages, interfaces, etc. can be installed, executed, and displayed. Additionally, a service program may be run on at least one customer terminal 100 and at least one affiliate terminal 200 using a script executed in a web browser. Here, a web browser is a program that allows the use of web (WWW: world wide web) services and refers to a program that receives and displays hypertext written in HTML (hyper text mark-up language). For example, Netscape. , Explorer, Chrome, etc. Additionally, an application refers to an application on a terminal and includes, for example, an app running on a mobile terminal (smart phone, etc.).

At this time, the network connection is such that at least one customer terminal 100, at least one affiliate terminal 200, payment service providing server 300, and virtual currency issuing server 400 are connected to the network for communication with each other. This means creating a communication object at the communication point. Payment service providing servers 300 may exchange data with each other through communication objects.

The virtual currency transaction unit 310 may be a module that performs functions related to virtual currency transactions. The virtual currency transaction unit 310 may operate in conjunction with a server (not shown) that provides prices of virtual currency.

The real currency transaction unit 320 may be a module that performs functions related to real currency transactions. To this end, the real money transaction unit 320 may operate in conjunction with servers of financial institutions and payment service providers outside the payment service providing system 10.

For example, a seller sells $100 worth of goods and services to multiple consumers, and in return for this, a total of 10 first coins (which are assumed virtual currencies) are held in the affiliated terminal 200. Let us assume a situation in which a request to exchange 10 first coins for real currency occurs on a regular or irregular basis from the affiliated terminal 200. In this case, the virtual currency transaction unit 310 can receive and store 10 first coins from the affiliated terminal 200, and the real currency transaction unit 310 can exchange real currency of the corresponding value to the affiliated terminal 200. It can be provided as . If there is no change in the value of the first coin, the real money transaction unit 320 can provide $100 of real money to the affiliated terminal 200 that requested exchange.

Here, the first coin referred to may be New Earth Coin (NEC), whose white paper was released in the second half of 2020, but is of course not limited thereto. In other words, the referred first coin may be an existing virtual currency such as Bitcoin, Ethereum, or Ripple, in addition to Newus Coin. Additionally, when terms such as second coin and third coin are used below, the terms may refer to any virtual currency, like the first coin.

The transaction data storage unit 330 can store the customer terminal 100, the affiliate terminal 200, and the virtual currency issuing server 400 by designating one node of the blockchain (Block Chain). When a transaction using virtual currency occurs, a process must be performed to confirm which buyer has which virtual currency and how much, so that no buyer arbitrarily deceives his or her purchase or sale amount. Therefore, when specifying a node, the information present in the node must be verified. The authentication process must be completed with the consent of the terminal. After going through this process, the transaction data storage unit 330 stores information about the transaction of the corresponding virtual currency in the database.

Here, the transaction data storage unit 330 may be a transaction database in which virtual currency transaction details are stored in nodes of the network within the blockchain for virtual currency transactions, and an application database applied to a preset application based on the transaction. there is. For example, when a transaction is made in the customer terminal 100, it can be synchronized to the blockchain network and the customer terminal 100 can be registered as a payer of virtual currency in the transaction database, which can be done through the virtual currency transaction unit 310. After the transaction is performed, related information may be stored in the transaction data storage unit 330.

The service data storage unit 340 may store comprehensive information about transactions performed using the payment service providing server according to an embodiment of the present invention. The data can be stored in conjunction with the blockchain stored in the transaction data storage unit 330 by designating one node of the blockchain. In other words, it may be a database of another layer on a smart contract that is linked to the transaction data storage unit 330. Additionally, the data is not limited to this, and data may be stored using a centralized data storage device depending on the type of information being collected. Additionally, the service data storage unit 330 may store information about transactions using real currency performed through the real currency transaction unit 320.

The service data storage unit 340 includes, for example, information about the virtual currency used in the transaction, information about the transaction item, information about the payment time, information about the price of each virtual currency at the time of the payment, and information about the payment store. It can include information about location, information about the industry of the payment store, etc., and can include as much information as possible within the range that can be collected.

The monitoring unit 350 may be a module that monitors information on various transactions performed in the payment service providing system 10 in real time.

In particular, the monitoring unit 350 monitors information on the market price of virtual currency and sends a notification to the information processing unit when the deposit falls below a certain amount to the customer terminal 100, affiliated terminal 200, and virtual currency issuance. It can be provided by the server 400. Through this, the stability of the payment service provision system 10 can be increased by maintaining a deposit of a certain amount or more according to a preset standard in the payment service provision server 300.

In addition, when the price of virtual currency fluctuates rapidly, the monitoring unit 350 causes the information processing unit 360 to convert virtual currency into real currency and real currency into virtual money to the affiliated terminal 200 and the virtual currency issuing server 400. It can induce you to perform a currency exchange transaction. Through this, the ability to exchange the virtual currency into stable spot currency can be guaranteed as much as possible even in the face of rapid price fluctuations of the virtual currency.

The information processing unit 360 can perform judgments and commands on the entire process other than the direct transaction process between virtual currency and physical currency within the payment service providing server 300. For example, information may be received from the monitoring 360 and a corresponding command may be provided to the affiliated terminal 200 and the virtual currency issuing server 400.

Figure 4 is a flowchart for explaining a method of providing a payment service according to an embodiment of the present invention.

Referring to FIG. 4, in one step of the payment service provision method according to an embodiment of the present invention, when a seller who is a user of the affiliated terminal 200 provides goods and services to a consumer who is a user of the customer terminal 100 , the customer terminal 100 provides virtual currency to the affiliated terminal 200 in return.

For example, when a seller sells a product worth $10 in real currency to a consumer, the seller delivers the product to the consumer, and the consumer sends one item to the seller's affiliated terminal (200) through the customer terminal (100). The first coin may be provided. Here, the market price of the first coin when trading the item was assumed to be $10.

The seller can receive virtual currency from a plurality of customer terminals 100 through multiple product transactions and store it in the affiliate terminal 200.

Next, the affiliated terminal 200 may provide virtual currency to the payment service providing server 300 and receive corresponding real currency. This can be performed regularly, and through this exchange procedure, a seller using the affiliated terminal 200 can stably exchange money for real currency even after performing a transaction using virtual currency. The regular exchange of virtual currency and real currency between the affiliated terminal 200 and the payment service providing server 300 will be referred to as the first settlement procedure (S10).

For example, assuming that the performance cycle of the first settlement procedure (S10) is 3 days, and that the seller sells 10 items in 3 days and holds 10 first coins, the first settlement procedure (S10) When performing this, the affiliated terminal 200 may provide 10 first coins to the payment service providing server 300, and the payment service providing server 300 may provide $100 to the affiliated terminal 200. Here, it is assumed that the market price of the first coin is maintained at $10 when performing the first settlement procedure (S10). Through this, the affiliated terminal 200 can stably exchange the virtual currency it holds into real currency.

In addition, in performing the first settlement procedure (S10), exchange of values between virtual currency and real currency and settlement of separate fees other than taxes essential for such transactions may not be included. In other words, a seller using the affiliated terminal 200 may not pay a separate fee to the payment service operator who operates the payment service providing server 300. Instead, the payment service provider can operate the payment service provider system 10 by generating revenue by charging the fee required for operating the payment service provider server 300 to the virtual currency issuer. Accordingly, more sellers can be encouraged to use the payment service providing system 10 of the present invention.

However, the first settlement procedure (S10) is illustratively explained as being performed on a regular basis, but is not limited thereto. That is, the first settlement procedure (S10) may be performed at a time requested by the affiliated terminal 200 or the payment service providing server 300 or at a preset time, and does not necessarily have to be periodic.

Next, the payment service providing server 300 may provide virtual currency to the virtual currency issuing server 400. This can be performed regularly and does not need to be the same as the cycle of the preceding first settlement procedure (S10). Through this virtual currency provision procedure, the virtual currency issuing server 400 can retrieve the issued virtual currency. The compensation for providing virtual currency from the payment service providing server 300 to the virtual currency issuing server 400 can be replaced with ownership of the already paid deposit. This procedure for providing virtual currency from the regular payment service providing server 300 to the virtual currency issuing server 400 will be referred to as the second settlement procedure (S20).

More specifically, for example, the performance cycle of the second settlement procedure (S20) is 7 days, and the payment service providing server receives and holds 1,000 first coins from dozens of affiliated terminals 200 for 7 days. Assuming that there is, when performing the second settlement procedure (S30), the payment service providing server 300 may provide 1,000 first coins to the virtual currency issuing server 400. Here, when performing the second settlement procedure (S20), the market price of the first coin was assumed to be maintained at $10, and the fee was not considered. Through this, the virtual currency issuing server 400 can successfully retrieve the issued virtual currency and maintain the value of the virtual currency.

Meanwhile, during the performance of the second settlement procedure (S20), the payment service operator may charge a fee to the virtual currency issuer. These fees may be proportional to the total transaction amount through the virtual currency, but are not limited to this, and may be proportional to the total number of transactions through the virtual currency, or may be charged at a flat rate per period.

For example, considering the fee when performing the second settlement procedure (S20), assuming a 1% fee for the total virtual currency transaction amount, in the example above, the payment service providing server 300 receives 1,000 virtual currencies. At the same time as providing the virtual currency issuing server 400, the payment service providing server 300 can withdraw $100, which corresponds to 1% of $10,000, which is the value of 1,000 virtual currencies, from the deposit. In other words, the payment service providing server 300 can transfer $100 of the deposit to another real currency storage account owned by the payment service operator.

Meanwhile, the second settlement procedure (S20) has been described as an example of being performed on a regular basis, but is not limited thereto. That is, the second settlement procedure (S20) may be performed at a time requested by the payment service providing server 300 or the virtual currency issuing server 400 or at a preset time, and does not necessarily have to be periodic.

Meanwhile, the virtual currency issuing server 400 may provide real currency as a deposit to the payment service providing server 300 in addition to the transaction according to the second settlement procedure (S20). The procedure in which the virtual currency issuing server 400 provides real currency as a deposit to the payment service providing server 300 will be referred to as the deposit payment procedure (S30).

The deposit payment procedure (S30) can be performed first before distribution of the virtual currency, and can be performed regularly or irregularly thereafter. The deposit serves as a guarantee that the virtual currency can be exchanged for real currency at any time. In other words, a virtual currency issuer with financial power for spot currency provides real currency to the payment service operator in advance to guarantee the conversion of the virtual currency into real currency to some extent, so that the virtual currency issuer can receive a settlement request from the seller. Conditions can be created to more smoothly respond to settlement, and thus the stability of transactions through the corresponding virtual currency can be increased.

Specifically, when the virtual currency is first distributed, the virtual currency issuing server 400 pays a certain amount of money as a deposit to the payment service providing server 300 in proportion to the issuance amount of the virtual currency. The payment service provider server can smoothly perform the first settlement procedure (S10) with the affiliated terminal using the provided deposit, and consumers, sellers, and payment service operators who can check information about the deposit can further exchange the virtual currency. It can be trusted and used for transactions. If the deposit falls below a preset standard due to changes in the market price of virtual currency and continuous transactions, the payment service providing server 300 may notify the virtual currency issuing server 400 of this and request that the virtual currency issue server 400 maintain a sufficient deposit. Accordingly, the stability of transactions through the corresponding virtual currency can be maintained.

For example, when the first virtual currency is issued, the deposit payment amount is 60% of the total value of the virtual currency, the deposit level required to be maintained is 40% of the total value of the virtual currency, and the total issuance size when the first coin is first issued is 60% of the total value of the virtual currency. Let us assume that the size of the corresponding real currency is $1,000,000, and that one first coin has a market price of $10. In that case, through the deposit payment procedure (S30) when the first coin is initially issued, the virtual currency issuing server 400 provides $600,000, which is 60% of the total issued amount of $1,000,000, to the payment service providing server 300 as a deposit. You can.

Afterwards, while a transaction is being made through the payment service providing system 10, if the deposit falls below $400,000, which is 40% of the total issued amount of the first coin, $1,000,000, the payment service providing server 300 is a virtual currency issuing server. By sending a warning to (400) that the deposit is insufficient and requesting that the deposit be recharged, the deposit payment procedure (S30) can be induced to be performed.

A virtual currency issuer that operates the virtual currency issuance server 400 can maintain the corresponding virtual currency ecosystem by providing the deposit to the payment service provision server 300.

If the virtual currency issuer does not recharge the deposit, if the deposit is less than 40% at a certain rate, as shown in the example above, when the affiliate store performs a transaction with the consumer, ' Alarms such as ‘caution’ can be provided. Therefore, it is understandable that, as an affiliated store, a lack of deposit means an increased risk of not receiving settlement money during future settlements.

Nevertheless, if a consumer transacts with the corresponding virtual currency, it can be considered that they are aware of the possibility of not receiving settlement in the future due to the risk of the corresponding virtual currency, and on the other hand, the merchant does not want to incur settlement risk due to a 'caution' alarm. If not, you can request payment using another virtual currency from the consumer.

The present invention is not limited to this, but as a non-limiting example, when the deposit gradually decreases to 30% or less, an alarm such as a 'warning' may be provided to the affiliated terminal. In addition, if the deposit further decreases and remains below 20%, an alarm such as 'transaction risk' can be provided to the affiliated terminal. The above-mentioned 'Caution', 'Warning', 'Transaction Risk', etc. may be intended to provide information to franchisees about the risks involved in trading virtual currency, although trading is possible.

Furthermore, if the deposit is below 10%, an alarm such as 'transaction stop' may be provided to the affiliated terminal and/or transactions using the corresponding virtual currency may be stopped.

On the other hand, if a virtual currency issuer is selected by many consumers and sellers due to the stability of the virtual currency it is issuing, an increase in demand for the virtual currency may lead to an increase in the value of the virtual currency, which may lead to an increase in the value of the virtual currency, which may lead to an increase in the value of the virtual currency. The transaction ecosystem using the corresponding virtual currency can be maintained through the procurement of real currency from outside the provision system (10).

FIG. 5 is a diagram illustrating a screen of a customer terminal according to an embodiment of the present invention, and FIG. 6 is a diagram illustrating a screen of an affiliate terminal according to an embodiment of the present invention.

Referring to Figures 5 and 6, consumers and sellers can use the customer terminal 100 and the affiliate terminal 200 to inquire the deposits of virtual currencies that the payment service providing server 300 supports transactions. Virtual currencies with large deposits are guaranteed to be converted to real currency, so virtual currencies with large deposits can be viewed at the top.

The deposit may show the deposit held by the payment service providing server 300 in real time, but may not be limited thereto. For example, when virtual currency is received through a transaction with the customer terminal 100 at the affiliated terminal 200, a request to exchange the virtual currency for real currency will eventually occur in the future to the payment service providing server 300. Therefore, this may be confirmed in advance by the payment service providing server 300 and the amount obtained by deducting the deposit corresponding to the amount of virtual currency held by the affiliated terminals 200 may be displayed as the deposit.

Meanwhile, in the case of the customer terminal 100, when checking the deposit amount for each virtual currency, a button that can initiate payment using the corresponding virtual currency may be exposed. Accordingly, the greater the deposit of a virtual currency, the higher the likelihood of it being selected by consumers.

7 to 9 are diagrams illustrating a screen of a customer terminal according to an embodiment of the present invention.

Referring to FIGS. 7 to 9 , if the deposit amount for each virtual currency falls below a preset standard, an alarm may appear on the customer terminal 100.

Specifically, in the deposit inquiry screen as shown in Figure 7, a warning that the deposit is insufficient may be displayed near the balance or payment button displayed for each virtual currency.

Figure 8 may be a screen displayed when a consumer presses the payment button to use virtual currency indicated as insufficient deposit for payment. In other words, if you want to attempt a payment using virtual currency with insufficient deposit, you can check once more whether you want to use the virtual currency for payment.

FIG. 9 may be a screen displayed on the customer terminal 100 when the deposit for a mainly used virtual currency or a specific virtual currency for which alarm reception is set is insufficient. Through this, consumers can know in advance the lack of deposit for the virtual currency even before payment, and can proceed with future transactions with the lack of deposit in mind in advance.

10 to 12 are diagrams illustrating a screen of an affiliated terminal according to an embodiment of the present invention.

Referring to FIGS. 10 to 12 , when the deposit amount for each virtual currency falls below a preset standard, an alarm may be displayed on the affiliated terminal 200.

Specifically, in the deposit inquiry screen as shown in Figure 10, a warning that the deposit is insufficient may be displayed near the balance displayed for each virtual currency.

FIG. 11 may be a screen displayed on the affiliated terminal 200 when a consumer requests payment to use virtual currency for which the deposit amount is indicated as insufficient. In other words, if you want to attempt a payment using virtual currency with insufficient deposit, you can check once more whether you want to use the virtual currency for payment.

Confirmation of such payment may be displayed only on the customer terminal 100 as shown in FIG. 8 in one transaction, but is not limited to this and may be displayed only on the affiliated terminal 200 as shown in FIG. 10. As shown in FIGS. 8 and 10, it may be displayed on both the customer terminal 100 and the affiliate terminal 200. In addition, it goes beyond simply confirming whether to use it for payment, and of course it can also be designated as non-transactionable.

FIG. 12 may be a screen displayed on the affiliated terminal 200 when the deposit of a mainly used virtual currency or a specific virtual currency for which alarm reception is set is insufficient. Through this, the seller can know in advance the lack of deposit for the virtual currency even before payment, and can proceed with future transactions with the lack of deposit in mind in advance.

Figure 13 is a diagram illustrating a screen of an affiliated terminal according to another embodiment of the present invention.

Referring to FIG. 13, among the plurality of virtual currencies for which the payment service providing server 300 provides payment services, a button requesting settlement may be displayed on the affiliated terminal 200 for a virtual currency with insufficient deposit. When the affiliated terminal 200 presses the button requesting settlement, the affiliated terminal 200 may transmit a request to exchange the virtual currency it holds into real currency to the payment service providing server 300. Through this, the stability of the exchange of virtual currency held by the seller into real currency can be increased.

Figure 14 is a flowchart for explaining a method of providing a payment service according to an embodiment of the present invention.

Among the components shown in FIG. 14, the description of the same components as those shown in FIG. 4 is the same as that described in FIG. 4, so the description will be omitted.

Referring to FIG. 14, the affiliated terminal 200 irregularly provides virtual currency to the payment service providing server 300 and receives the corresponding real currency from the payment service providing server 300 in the third settlement. Procedure S40 may be performed.

Unlike the first settlement procedure (S10), which is performed regularly, the third settlement procedure (S40) can be performed irregularly only when the value of the corresponding virtual currency fluctuates beyond a preset range. Through this, the seller using the affiliated terminal 200 and the payment service operator operating the payment service providing server 300 can be protected from large changes in the value of the corresponding virtual currency.

In addition, the fourth settlement procedure is a step in which the payment service providing server 300 irregularly provides virtual currency to the virtual currency issuing server 400 and receives the corresponding real currency from the virtual currency issuing server 400 ( S50) may be performed.

Unlike the second settlement procedure (S20), which is performed regularly, the fourth settlement procedure (S50) can be performed irregularly only when the value of the corresponding virtual currency fluctuates beyond a preset range. Through this, the payment service operator that operates the payment service providing server 300 and the virtual currency issuer that operates the virtual currency issuance server 400 can be protected from large changes in the value of the virtual currency.

Here, the range of change in the value of the virtual currency that is the standard for performing the fourth settlement procedure (S50) may be greater than the range of change in the value of the virtual currency that is the standard for performing the third settlement procedure (S40). In general, the size of the virtual currency exchanged in the fourth settlement procedure (S50) is larger than the size of the virtual currency exchanged in the third settlement procedure (S40), so the fourth settlement procedure (S40) is larger than the size of the virtual currency exchanged in the third settlement procedure (S40). By setting the performance conditions for S50) more strictly, the transaction stability of the virtual currency can be increased.

Figure 15 is a diagram showing an exemplary price fluctuation graph of a first coin according to an embodiment of the present invention.

In this embodiment, it is assumed that the settlement cycle in which the first settlement procedure (S10) is performed is 4 days, and the settlement cycle in which the second settlement procedure (S20) is performed is 7 days, and the third settlement procedure (S40) is 7 days. 1 It is performed when the coin shows a price fluctuation of more than 20% within 0.5 days (or 12 hours), and the fourth settlement procedure (S50) is performed when the first coin shows a price fluctuation of more than 30% within 0.5 days (or 12 hours). It is assumed to be performed when visible.

Referring to FIG. 15, when the recording of the first graph starts, the first settlement procedure (S10) between the affiliated terminal 200 and the payment service providing server 300 and the payment service providing server 300 and the virtual currency issuing server 400 The second settlement procedure (S20) is performed.

Next, since the price of the first coin remains the same at $10 per coin in the period from 0 days to 0.5 days, the third settlement procedure (S40) and the fourth settlement procedure (S50) are not performed.

Next, in the 0.5 to 1 day period, the price of the first coin increased by 20% from $10 to $12 per piece, so an irregular third settlement procedure (S40) between the affiliated terminal (200) and the payment service providing server (300) ) can be performed.

Next, in the period from 1 day to 1.5 days, the price of the first coin remains the same at $12 each, so the third settlement procedure (S40) and the fourth settlement procedure (S50) are not performed.

Next, in the 1.5 to 2 day period, the price of the first coin showed a fluctuation of less than 20% from $12 to $11 per piece, so the third settlement procedure (S40) and the fourth settlement procedure (S50) were performed. It doesn't work.

Next, in the 2 to 2.5 day period, the price of the first coin showed a fluctuation of less than 20% from $11 to $10 per piece, so the third settlement procedure (S40) and the fourth settlement procedure (S50) were performed. It doesn't work.

Next, in the 2.5 to 3 day period, the price of the first coin showed a fluctuation of less than 20% from $10 to $11 per piece, so the third settlement procedure (S40) and the fourth settlement procedure (S50) were performed. It doesn't work.

Next, in the 3 to 3.5 day period, the price of the first coin decreased by 36.6% from $11 to $7 per piece, showing a fluctuation of more than 30%, so the affiliated terminal (200) and the payment service providing server ( The third settlement procedure (S40) is performed between the payment service providing server 300 and the virtual currency issuing server 400, and the fourth settlement procedure (S50) is also performed between the payment service providing server 300 and the virtual currency issuing server 400.

Next, in the 3.5 to 4 day period, the price of the first coin showed a fluctuation of less than 20% from $7 to $8, so the third settlement procedure (S40) and the fourth settlement procedure (S50) were not performed. No. However, since 4 days have passed since the first settlement procedure (S10) was performed, the first settlement procedure (S10), which is a regular settlement between the affiliated terminal 200 and the payment service providing server 300, is performed.

Next, in the 4 to 4.5 day period, the price of the first coin showed a fluctuation of less than 20% from $8 to $9, so the third settlement procedure (S40) and the fourth settlement procedure (S50) were not performed. No.

Next, in the period from 4.5 to 5 days, the price of the first coin showed a fluctuation of less than 20% from $9 to $10, so the third settlement procedure (S40) and the fourth settlement procedure (S50) were not performed. No.

In this way, in addition to the first settlement procedure (S10) and the second settlement procedure (S20), which are periodic settlements, the third settlement procedure (S40) and the fourth settlement procedure (S50), which are irregular settlements according to the fluctuation range of virtual currency, are performed. By doing so, the stability of the exchange of virtual currency into real currency can be increased.

Figure 16 is a diagram showing an exemplary price fluctuation graph of a first coin according to an embodiment of the present invention.

Among the components shown in FIG. 16, the description of the same components as those shown in FIG. 12 is the same as that described in FIG. 4, so the description will be omitted.

Referring to FIG. 16, when the third settlement procedure (S30) is performed, it can be a new starting point for the cycle of the first settlement procedure (S10), and when the fourth settlement procedure (S40) is performed, it can be a new starting point for the cycle of the first settlement procedure (S10). It can be a new starting point for the cycle of S20).

More specifically, when the third settlement procedure (S40) is performed between the affiliated terminal 200 and the payment service providing server 300 on the first day, the settlement cycle of the first settlement (S10), which is a settlement between the same settlement entities, is initialized. Therefore, the next first settlement procedure (S10) may be changed to be performed on the 5th day after 4 days, which is an exemplary settlement cycle.

In this embodiment, the third settlement procedure (S40) was performed on the 1st day and the 3.5th day, and the next first settlement procedure (S10) may be performed on the 7.5th day, 4 days after the 3.5th day.

Likewise, since the fourth settlement procedure (S50) was performed between the payment service providing server 300 and the virtual currency issuing server 400 on the 3.5th day, the next fourth settlement procedure (S50) was performed on the 10.5th day, 7 days later. It can be.

In this way, by initializing the settlement cycle of the first settlement procedure (S10) and the second settlement procedure (S20), which are regular settlements, an excessive number of settlements can be prevented.

Figure 17 is a table showing the deposit and the corresponding value of virtual currency according to an embodiment of the present invention.

Referring to FIG. 17, if the deposit falls below a certain ratio compared to the total issued amount of virtual currency, when transacting with the corresponding virtual currency within the payment service providing system 10, the value of the virtual currency can be discounted and used for the transaction. there is.

For example, if the value of the first coin is 100% guaranteed, and the market price of the first coin is $10 each, 10 first coins are required to purchase an item worth $100. However, if the deposit of the first coin is 20% of the total issued amount of the first coin and only 80% of the value is recognized within the payment service provision system 10, purchasing an item worth $100 using the first coin is possible. This may require 12.5 first coins.

In this way, when the deposit of the first coin falls below the standard amount, the payment service providing system 10 forces the value of the first coin to be discounted and used for transactions, thereby encouraging consumers to use other virtual currencies and Even in the case of using coins, transaction stability can be increased by paying more first coins, and transaction stability can be increased by inducing the virtual currency issuer to replenish the deposit.

In this embodiment, it is exemplified that the value is maintained at 100% when the deposit is 40% or more of the total issued amount of virtual currency, but the value may not be limited to this. In other words, the deposit can be maintained at a percentage other than 40% of the total issuance of virtual currency, and the deposit standard can be set as an absolute amount rather than a certain percentage of the total issuance of virtual currency.

Meanwhile, as another method to minimize the price fluctuations of virtual currency, the transaction can be canceled by applying a separate virtual currency price calculated by mitigating the price fluctuations of the virtual currency. Below, a method of calculating a separate virtual currency by mitigating market price fluctuations of virtual currency will be explained.

Figures 18 and 19 are diagrams for explaining a method of calculating the market price of a virtual currency with reduced volatility in a payment service providing server according to an embodiment of the present invention. Figures 20 to 25 are diagrams for explaining a method of setting a section to alleviate price fluctuations of virtual currency.

As mentioned above, virtual currency has a problem where its value fluctuates in real time. Therefore, in order to use virtual currency as a good with real exchange value, in other words, in order to use virtual currency as a payment method, it is necessary to alleviate price fluctuations.

In other words, even if the price of virtual currency rises or plummets in real time on the exchange, by establishing a device to alleviate this at the time of transaction using virtual currency, the exchange value of virtual currency is secured and virtual currency can be used as a payment method through this. There is a need to find a way to do this.

Figure 18 is a simplified graph showing the price fluctuation of an exemplary arbitrary virtual currency (hereinafter referred to as 'designated coin'). In other words, it indicates the price at which the designated coin was traded on the exchange in a certain time unit (e.g., first segment, 1 hour unit). For example, when the transaction price of a designated coin traded on a virtual currency exchange was displayed on an hourly basis, it was 40 won -> 30 won -> 20 won -> 10 won -> 20 won -> 30 won -> 20 won -> Let's assume that the prices changed in the following order: 30 won -> 20 won -> 30 won -> 40 won -> 50 won.

Since we assume that one space lasts for one hour, the lowest transaction price of the designated coin for a total of 12 hours is 10 won and the highest is 50 won. Based on the lowest price of 10 won, the price increased by 40 won. This is a 400% price fluctuation, and in this situation, it may be difficult to determine the designated coin as the payment currency or virtual currency used to cancel the transaction.

In order to alleviate this fluctuation, a method can be used to divide the value of a designated coin into certain intervals and fix it. For example, by dividing the section into four-hour intervals, you can fix the average value of the transaction price of a designated coin in a specific section as the exchange value of the designated coin in the next section.

In the example of Figure 18, the price of the designated coin in the first section (e.g., first subsection) changed in the order of 40 won -> 30 won -> 20 won -> 10 won over 4 hours. If you average this, you can get the value of (40+30+20+10)/4 = 25. Since the average transaction price of the designated coin in the first section is 25 won, this is confirmed as the exchange value for the next 4 hours. That is, in the system where payments are made using a designated coin during the second period, the value of the designated coin is fixed at 25 won and can be used as the market price of the designated coin when making a payment or canceling a transaction.

In the second section (e.g., second subsection) of Figure 18, the price of the designated coin changed in the order of 20 won -> 30 won -> 20 won -> 30 won over 4 hours. If you average this, you can get the value of (20+30+20+30)/4 = 25. Since the average transaction price of the designated coin in the second section is 25 won, this is confirmed as the exchange value for the next 4 hours. In other words, in the system where payments are made using a designated coin during the third section, the value of the designated coin is fixed at 25 won and can be used as the market price of the designated coin when making a payment or canceling a transaction.

In the third section (e.g., third subsection) of Figure 18, the price of the designated coin changed in the order of 20 won -> 30 won -> 40 won -> 50 won over 4 hours. If you average this, you can get the value of (20+30+40+50)/4 = 35. Since the average transaction price of the designated coin in the third section is 35 won, this is confirmed as the exchange value for the next 4 hours. In other words, in the system where payments are made using a designated coin during the fourth section, the value of the designated coin is fixed at 35 won and can be used as the market price of the designated coin when making a payment or canceling a transaction.

If you divide the section like this, find the average value, and use it as the exchange value of the designated coin in the next section, while the designated coin fluctuates from 40 won to 10 won and then back to 50 won, the exchange value of the designated coin is 25 won -> You can see that it is maintained without much change in the order of 25 won -> 35 won. If the fluctuation in exchange value is reduced in this way, transaction stability can be secured for payment and cancellation of payment using the designated coin.

In Figure 18, the idea of fixing the average value of the exchange price of the nth section to the exchange value of the n+1th section is shown in a table as shown in Figure 19. Referring to Figure 19, the price of the designated coin exchanged on the exchange from 00:01 to 04:00, which is the first section, is averaged, the average value of 25 is fixed as the exchange value of the second section, and this is announced. , Payment is made based on the announced exchange value.

Likewise, the prices of designated coins exchanged on the exchange from 04:01 to 08:00 in the second section are averaged, and the average value of 25 is fixed as the exchange value of the third section, and then announced, based on the announced exchange value. Proceed with payment.

Likewise, the prices of designated coins exchanged on the exchange from 08:01 to 12:00 in the third section are averaged, and the average value of 35 is fixed as the exchange value of the fourth section, and then announced, based on the announced exchange value. Proceed with payment.

After that, specific illustrations were omitted from the fourth section (e.g., the fourth subsection), but if one section is 4 hours as above, 24 hours (e.g., Daegu section) is divided into 6 sections and are divided into 6 sections as above. The process can be repeated.

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

On the other hand, due to the nature of the virtual currency transaction value used for averaging, that is, currency exchanges, there may be multiple locations. To this end, the virtual currency payment system according to the present invention is calculated through partnership with one or more of many virtual currency exchanges, and the type of exchange used for the average can be announced through the customer terminal.

On the other hand, the above-described method can alleviate volatility by averaging the values within the section, and the method for setting the number of sections will be supplementally explained below.

The idea of easing the exchange price and using it as exchange value is good, but if the gap between them is large, it is difficult for the exchange value to be effective. For example, if it is currently traded at 70 to 80 won on the exchange, but the exchange value within the payment system is 10 won, 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 for 70 to 80 won on an exchange rather than using 1 designated coin for 10 won within the payment system.

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

Moving average is an abbreviation for moving average, and is one of the basic tools used for technical analysis in the stock market or derivatives market. It can be applied in various fields such as transaction amount, trading amount, and stock price. The purpose is to identify phenomena (mainly trends) from past average figures and help with current trading and future predictions.

For example, the 10-day moving average is a line that displays the average of the stock price over the past 10 days as a dot every day and continues to display it. Trend trading can be determined by how wide the gap is between this moving average and the current stock price. Wouldn't we be able to find some direction for moving averages if we calculate the average of past numbers? The moving average line emerged from this assumption.

Previously, looking again at the graph in FIG. 19 between 00:00 and 12:00 on January 6, it is the same as FIG. 20. If you look at it, you can see that a 30-minute graph is shown in the form of a candle chart, and there are two lines, one in red and the other in green, below it. The line in red is the moving average of 5 sections, and the line in green is the moving average of 20 sections.

As of 12 o'clock, the average price for the previous 5 sections, i.e., the section 2 hours and 30 minutes before in 30-minute increments, is displayed in red, and as of 12 o'clock, the price for the previous 20 sections, i.e., 10 hours in 30-minute increments, is displayed in red. The average price of the previous section is displayed in light green. As can be seen in the red and light green graphs, when the price of Bitcoin rises rapidly, the red 5-section moving average line first follows the current exchange price, and then the 20-section moving average line slowly follows.

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, which is the value of the five-section moving average based on 13:00, and the green horizontal line is is 36 million won, which is the value of the 20-section moving average line based on 13:00. As can be seen in Figure 20, the moving average line of 20 sections, which has a large section for averaging, shows a difference of about 4,000-3,600 = 4 million won when compared to the highest price at 13:00. On the other hand, when comparing the moving average line of 5 sections with a small section to the highest price at 13:00, there is a difference of about 4,000-3,800 = 2 million won.

Depending on whether the section is set large or small, the degree to which price fluctuations are alleviated and the degree to which the current price is reflected may vary. Therefore, the size of dividing sections needs to be set adaptively according to the range of variation. In other words, in situations where the price fluctuation of virtual currency is large, the section is split into small sections, and in situations where the price change is small, the section is split into large sections.

Figure 21 is an example of adaptively setting a section according to the price change of a designated coin. As can be seen in Figure 21, various sections to be applied for the next day can be applied based on the price change range of the previous day.

For example, if the virtual currency price fluctuation range of the previous day (e.g., 1st Daegu section, 24 hours) is between 0% and ±5%, the next day (e.g., 2nd Daegu section, 24 hours) section will be changed in 6-hour increments. By splitting it into four sections on a daily basis, the exchange value can be fixed and announced in advance. If the virtual currency price fluctuation range of the previous day is between ±5% and ±10%, the exchange value can be fixed and announced by dividing the section into 4-hour increments and 6 sections on a daily basis.

If the virtual currency price fluctuation range of the previous day is between ±10% and ±20%, the exchange value can be fixed and announced by dividing the section into 3-hour intervals and 8 sections per day. If the virtual currency price fluctuation range of the previous day is between ±20% and ±30%, the exchange value can be fixed and announced by dividing the section into 2-hour intervals and 12 sections per day.

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

However, the table in FIG. 21 is an example to help understand the invention, and the fluctuation range and corresponding section units can be set in various ways. At this time, applying the section on a daily basis is to increase the predictability of the exchange value. In other words, the fluctuation range of the previous day is calculated based on midnight at 00:00, and the standard section unit applied to the current day is announced. For example, at midnight at 00:00, there is an announcement that 'Today, the exchange value of the designated coin will be announced every 6 hours', and at 00:00, 06:00, 12:00, and 18:00, the average value for the previous 6 hours is the exchange value. It is announced as .

However, it is not necessary to divide the sections into daily segments. For example, it is possible to announce how to divide the section into 12-hour increments. Alternatively, it is also possible to announce how to divide the sections on a weekly or monthly basis. That is, for each first period, it is possible to announce whether to divide the section based on the second period, and the first period can also be set adaptively.

In FIG. 21, the first period is one day, and the second period may vary dynamically depending on the extent of exchange price fluctuation from the day before. In another example, the first period is 12 hours, and the second period may vary dynamically depending on the extent of exchange price fluctuations over the previous 12 hours. In this way, how to apply the section according to the second period can be disclosed for each first period.

Figure 22 is an example of setting the period of the 1st day, and Figure 23 is an example of setting the period of the 2nd day.

Referring to Figures 22 and 23, you can see examples of cases where the first period and the second period are applied in various ways over the 1st and 2nd days, and 2 days. The first period may be a fixed value, the value may change dynamically, or the first period may be omitted altogether.

For example, in case A, the first period is 24 hours. The second period is announced every 24 hours, taking into account the fluctuations of the previous day. In the first set, the second period is 6 hours, and you can see that the day is divided into four sections from 1-1 to 1-4. At 00:00 on the 1st day, you can provide information such as “Today, fixed values will be announced in 4 sections every 6 hours.” In the second set, you can see that the second period is 4 hours long and the two days are divided into six sections from 2-1 to 2-6. At 00:00 on the 2nd day, you can provide information such as “Today, fixed values will be announced in 6 sections every 4 hours.”

For another example, in case B, the first period is 12 hours. The second period is announced every 12 hours, taking into account the fluctuations of the previous day. In the first set, you can see that the second period is 4 hours long and divided into three sections from 1-1 to 1-3. At 00:00 on the 1st day, you can provide information such as “This morning, fixed values will be announced in 3 sections every 4 hours.” In the second set, you can see that the second period is 3 hours and is divided into four sections from 2-1 to 2-4. At 12 o'clock on the first day, you can provide information such as "This afternoon, fixed values will be announced in 4 sections every 3 hours." In set 3, you can see that the second period is 6 hours and is divided into two sections from 3-1 to 1-2. At 00:00 on the 2nd day, you can provide information such as “This morning, the fixed value will be announced in two sections every 6 hours.” In the 4th set, you can see that the second period is 2 hours and is divided into 6 sections from 4-1 to 4-6. At 12 o'clock on the second day, you can make an announcement such as "This afternoon, fixed values will be announced in 6 sections every 2 hours."

For another example, in case C, the first period can be seen to change. It can be seen that in set 1, the first time unit is 24 hours, in set 2, the first time unit is 10 hours, and in set 3, the first period is 14 hours. In the first set, you can see that the second period is 8 hours and is divided into three sections from 1-1 to 1-3. At 00:00 on the 1st day, you can provide information such as “Today, fixed values will be announced in 3 sections every 8 hours.” In the second set, the second period is 5 hours, and you can see 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 2nd day, you can provide information such as “The fixed value will be announced in two sections every 5 hours until 10:00 today.” In set 3, the second period is 2 hours, and you can see that 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 o'clock on the second day, you can provide information such as "The fixed value will be announced in 7 sections every 2 hours until 24:00 today."

For another example, in case D, you can see 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, the sections are not divided according to the second period and you can see that each set has only one section. Set 1 has one section of 6 hours, Set 2 has one section of 3 hours, Set 3 has one section of 6 hours, and Set 4 has one section of 9 hours. Four sets were conducted on day 1, but since the first period was 0, there was only one section per set. Set 5 has one section lasting 6 hours, set 6 has one section lasting 4 hours, set 7 has one section lasting 7 hours, set 8 has one section lasting 4 hours, and set 9 has one section lasting 3 hours. It has one section. Five sets were conducted on the second day, but since the first period was 0, there was only one section per set.

In general, the first period may be a fixed value of 24 hours or 12 hours, such as case A or case B. However, as in the case of C, the first period may change dynamically. At this time, the standard for changing the first period may be, for example, the amount of payment. For example, the first period can be set large during the night when there are few payments, and the first period can be set small during the day when there are many payments. During the night time when there are few payments, it is okay to be less sensitive to price changes on the exchange, so set the first period large, and during the daytime when there are many payments, set the first period small to be more sensitive to price changes on the exchange. You can.

Or, just as the second period varies depending on the amount of change in the price of the exchange, the first period may also vary depending on the amount of change in the price of the exchange. Two sets of first periods can be determined and announced according to the price fluctuations on the exchange during one set of time, and three sets of first periods can be determined and announced according to the price fluctuations on the exchange during two sets of times.

In this way, by dividing the sections according to the first period and the second period and fixing the exchange value of the virtual currency, even if the price of the virtual currency fluctuates from moment to moment on the exchange, a stable exchange value of the virtual currency is secured and used as a payment method. You can use it.

Figures 24 and 25 are diagrams for explaining a method of calculating an average value to alleviate price fluctuations of virtual currency according to an embodiment of the present invention.

Figure 24 is a diagram showing the positive, negative, and flat candlesticks of a general candle chart. The opening price is the first traded price in that section, and the closing price is the last traded price in that section. The high price is the highest traded price in that section, and the low price is the lowest traded price in that section.

When calculating the average value, you can use one of these four values to obtain the average. For example, in Figures 22 and 23, 00:00 to 01:00, 01:00 to 02:00, 02 to 03:00, 03:00 to 04:00, 04:00 to 05:00, and 05:00 to section 1-1 in case A. On an hourly candle chart at 06:00, you can add the opening price for each hour and take the average and use it as a fixed value for the 1-2 section, add the closing price and average it and use it as a fixed value for the 1-2 section, or add the high price and use it as a fixed value for the 1-2 section. You can average it and use it as a fixed value for 1-2 intervals, or add the low price and average it to use it as a fixed value for 1-2 intervals.

In this way, if you use one of the opening price, closing price, high price, and low price to find the average value, and then calculate the fixed value of the next section, there are not many values to calculate, so you can get the average value right away without large calculations. In addition to simply calculating the average value like this, you can also calculate the average value by reflecting each transaction volume.

Referring to Figure 25, you can see the transaction volume displayed below in the graph of Figure 18. For example, when the transaction price of a designated coin traded on a virtual currency exchange was displayed on an hourly basis, it was 40 won -> 30 won -> 20 won -> 10 won -> 20 won -> 30 won -> 20 won - While the price fluctuates in the order of > 30 won -> 20 won -> 30 won -> 40 won -> 50 won, the trading volume is 1 -> 1 -> 2 -> 1 -> 2 -> 1 -> 2 -> Let's assume that 2 -> 1 -> 1 -> 2 -> 1 designated coin is traded.

In the example of Figure 25, the price of the designated coin in the first section changed in the order of 1 40 won -> 1 30 won -> 2 20 won -> 1 10 won over 4 hours. If you average this, you can get the value of (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 confirmed as the exchange value for the next 4 hours. In other words, in the system where payment is made using a designated coin during the second section, payment is made by fixing the value of the designated coin at 24 won.

In the second section of Figure 18, the prices of the designated coins changed in the order of 2 20 won -> 1 30 won -> 2 20 won -> 2 30 won over 4 hours. If you average this, you can get the value of (20*2+30+20*2+30*2)/7 = 24.3. Since the average transaction price of the designated coin in the second section is 24.3 won, this is confirmed as the exchange value for the next 4 hours. In other words, in a system where payment is made using a designated coin during the third section, payment can be made by fixing the value of the designated coin at 24.3 won.

In the third section of Figure 18, the price of the designated coin changed in the order of 1 20 won -> 1 30 won -> 2 40 won -> 1 50 won over 4 hours. If you average this, you can get the value of (20+30+40*2+50)/5 = 36. Since the average transaction price of the designated coin in the third section is 36 won, this is confirmed as the exchange value for the next 4 hours. That is, in the system where payment is made using a designated coin during the fourth section, payment can be made by fixing the value of the designated coin at 36 won.

If you divide the section like this, find the average value, and use it as the exchange value of the designated coin in the next section, while the designated coin fluctuates from 40 won to 10 won and then back to 50 won, the exchange value of the designated coin is 24 won -> You can see that it is maintained without much change in the order of 24.2 won -> 36 won. If the fluctuation in exchange value is reduced 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 calculating the average price of virtual currency transactions that occurred during that time. Although calculating it this way increases the amount of calculation, it has the advantage of being able to accurately calculate the value of virtual currency transactions that occurred during that time. However, since many calculations are required to use the average price as an average value, it is desirable to immediately calculate the average price each time a transaction occurs and show in real time how much amount will be announced as the exchange value in the next section.

Alternatively, without calculating the average price, the average value may be obtained using any one of the opening price, closing price, high price, and low price as shown in FIG. 24. In the case of Figure 18 and Figure 25, even though the difference between the average value or average price calculated for each section is not large, it can be seen that it is sufficient to use any one average value among the opening price, closing price, high price, and low price.

As explained earlier, by dividing the sections into sections, finding the average of the transaction price of virtual currency on the exchange, and fixing this as the exchange value of virtual currency, virtual currency can be used as a payment method.

Although the above description focuses on the embodiments of the present invention, this is only an example and does not limit the present invention, and those skilled in the art will understand the present invention without departing from the essential characteristics of the embodiments of the present invention. It will be apparent that various modifications and applications not exemplified above are possible.

Therefore, the scope of the present invention should be understood to include changes, equivalents, or substitutes of the technical ideas exemplified above. For example, each component specifically shown in the embodiments of the present invention can be modified and implemented. And these variations and differences in application should be construed as being included in the scope of the present invention as defined in the appended claims.

10; Payment service provision system
100: Customer terminal
200: Affiliate terminal
300: Payment service provision server

Claims (8)

In the payment service provision method executed on the payment service provision server,
Activating transactions using virtual currency between customer terminals and affiliated terminals;
A first settlement step of periodically providing corresponding real currency to the affiliated terminal in response to virtual currency provided from the affiliated terminal;
If the third condition is satisfied, a third settlement step of providing corresponding real currency to the affiliated terminal in response to the virtual currency provided from the affiliated terminal;
Periodically, in response to the virtual currency provided to the virtual currency issuing server, a second settlement step of receiving corresponding real currency from the virtual currency issuing server,
The first settlement step is performed periodically every first period regardless of market price fluctuations of the corresponding virtual currency,
The third condition of the third settlement step is a payment service providing method including that the price fluctuation range of the corresponding virtual currency is more than a pre-designated third range during a pre-designated third period. According to paragraph 1,
If the fourth condition is satisfied, a fourth settlement step of receiving corresponding real currency from the virtual currency issuing server in response to the virtual currency provided to the virtual currency issuing server,
The second settlement step is performed periodically every second period regardless of the price fluctuation of the corresponding virtual currency,
The fourth condition of the fourth settlement step includes that, during a predetermined fourth period, the price fluctuation range of the corresponding virtual currency is more than a predetermined fourth range,
The fourth range is greater than the third range,
How to provide payment services. According to paragraph 2,
The second period is greater than the first period,
When the third settlement step is performed, the third settlement step is updated with the new starting point of the first settlement step,
When the fourth settlement step is performed, the fourth settlement step is updated with a new starting point of the second settlement step. According to paragraph 1,
Receiving a deposit using real currency from the virtual currency issuing server; and
When the second settlement step is performed, it further includes updating the remaining deposit by deducting a fee from the deposited deposit,
The fee is real currency corresponding to a predetermined ratio of real currency settled in the second settlement step,
How to provide payment services. According to paragraph 1,
Receiving a deposit using real currency from the virtual currency issuing server and evaluating the deposit balance; and
If the remaining deposit falls below a preset amount, it further includes the step of correcting the value of the virtual currency lower than the market price,
If the remaining deposit falls below a preset amount, applying the downwardly corrected market price in the step of activating a transaction using virtual currency between the customer terminal and the affiliated terminal,
How to provide payment services. According to paragraph 1,
Further comprising receiving a deposit using real currency from the virtual currency issuing server and evaluating the deposit balance,
In the step of activating a transaction using virtual currency between the customer terminal and the affiliated terminal, if a transaction request using virtual currency whose remaining deposit falls below a preset amount is obtained,
The steps to activate the transaction are:
Providing an alarm regarding insufficient deposit to the affiliated terminal, and
Comprising the step of providing a transaction interface when obtaining a transaction continuation request from the affiliated terminal despite the alarm,
How to provide payment services. delete According to paragraph 1,
Further comprising receiving a deposit using real currency from the virtual currency issuing server and evaluating the deposit balance,
The step of activating transactions using virtual currency between the customer terminal and the affiliate terminal includes listing a plurality of types of virtual currency available for the customer terminal,
The list-up is a method of providing payment services, sorted in order of remaining deposit.