KR102659332B1 - A payment method through virtual currency transaction - Google Patents

Abstract

The present invention relates to a method of payment through virtual currency transactions. In addition to ensuring the safety of payment during the process of settling the purchase price and sales price of a product, it is configured to allow transactions of arbitrary volatile virtual currency to occur, thereby creating volatile virtual currency. It can activate the distribution of products, and furthermore, it is configured to allow transactions for point tokens issued by businesses to occur during the process of paying for product purchases and sales, so that it is possible to increase financing by utilizing the point tokens of businesses. It's about method.

Description

A payment method through virtual currency transaction}

The present invention relates to a method of payment through virtual currency transactions. In addition to ensuring the safety of payment during the process of settling the purchase price and sales price of a product, it is configured to allow transactions of arbitrary volatile virtual currency to occur, thereby creating volatile virtual currency. Distribution can be activated, and furthermore, transactions for point tokens issued by businesses can occur during the process of paying for product purchases and sales, so that the company's financing can be increased through the use of the business's point tokens. It is about payment method.

When there was no currency, barter was used, and over time, coins and banknotes were created, and with the gradual development of technology and digitalization, new concepts of currency such as virtual currency emerged. Unlike real currency (coins, banknotes) that is actually traded, this virtual currency literally means currency that has no substance in a virtual environment.

These virtual currencies can be divided into non-volatile virtual currencies and volatile virtual currencies. Non-volatile virtual currencies are digitized currencies that are fixed one-to-one to fiat currency. On the other hand, volatile virtual currency is a digitized asset designed to be used as a means of exchange, and its exchange value is not fixed one-to-one to fiat currency, but is a digitized currency whose exchange value fluctuates depending on supply and demand in the market. Representative volatile virtual currencies include Bitcoin, Ethereum, and Ripple.

Recently, there has been a rapid increase in interest in volatile virtual currencies as a means of complete anonymity, transfer of assets not controlled by the government, and investment assets, and they are rapidly emerging as a means of remitting payments in everyday life.

Looking at Republic of Korea Patent Registration No. 10-2045493, a prior art that discloses the technical feature of making payment using virtual currency with the function of automatically trading virtual currency at the time of payment, the purchaser of the product uses virtual currency By presenting a payment processing device and its operation method that support payment of product prices to product sellers, the technical features of a platform that can utilize virtual currency as a means of trading goods are disclosed.

Furthermore, looking at Korea Patent Registration No. 10-2095347, which is a prior art that discloses technical features for activating transactions for volatile virtual currencies for which credit has not yet been established in the market, points are paid according to virtual currency transactions, but have not yet been established. In order to increase the demand for various types of volatile virtual currencies that do not have established credibility in the market, we are launching a technical feature that provides points in randomly selected volatile virtual currencies among various types of volatile virtual currencies.

However, in the prior art, there is a problem in that virtual currency itself is difficult to apply in situations where virtual currency transactions are not active as a means of payment. Furthermore, virtual currency is paid as points according to virtual currency transactions, but similarly, virtual currency transactions are not active. In situations where virtual currency transactions are not activated, virtual currency transactions will not occur, and furthermore, the value of virtual currency paid as points will be significantly lowered as points in situations where the transactions are not activated, and as a result, the motivation for participants to participate in virtual currency transactions will also be significantly reduced. As it falls, the activation of virtual currency transactions will eventually fall short of expectations.

In this situation, during the process of making payment according to the purchase and sale of a product, it is possible to activate transactions in volatile virtual currencies for which credit has not yet been established, and further encourage the participation of transaction parties in transactions of these virtual currencies. There is an urgent need for research into the technical characteristics of existing technologies.

In order to solve the problems caused by the above-described prior art, it is possible to ensure the safety of payment during the process of payment for a product, while activating transactions in volatile virtual currencies for which credit is not established, and further encouraging the participation of transaction parties. We would like to propose a payment method through virtual currency transactions.

In order to solve the problems caused by the prior art described above, the payment method through virtual currency transaction according to the present invention is (a) a purchase price for purchasing a certain product, which has a certain exchange value in the buyer's account opened on the server. A step in which volatile virtual currency is withdrawn; (b) The non-volatile virtual currency withdrawn in step (a) corresponds to the first non-volatile virtual currency corresponding to the first rate of the withdrawn non-volatile virtual currency and the second rate of the withdrawn non-volatile virtual currency. Splitting on the server into a second non-volatile virtual currency; and (c) the first non-volatile virtual currency divided in step (b) is deposited into the seller account opened on the server as sales proceeds from the sale of a certain product, and the second non-volatile virtual currency divided in step (b) is deposited into the seller account opened in the server. At the same time as the volatile virtual currency is sold on the virtual currency exchange opened on the server, the volatile virtual currency having an exchange value equal to the exchange value of the sold second non-volatile virtual currency is purchased and is sold as the sales price according to the sale of a certain product. Includes the step of depositing money into the seller's account,

In the virtual currency exchange opened on the server, the non-volatile virtual currency and the volatile virtual currency are traded at corresponding exchange values, and the second ratio may exceed 0.

Preferably, in step (b), the non-volatile virtual currency withdrawn in step (a) is further divided by the server into a third non-volatile virtual currency corresponding to the third ratio of the withdrawn non-volatile virtual currency, and ,

The point token issued by the given entity is sold on the virtual currency exchange so that it can be exchanged for products provided by the given entity,

When the point token issued by the predetermined entity is sold on the virtual currency exchange, the selling price is deposited into the predetermined entity's account opened on the server,

(d) At the same time as the third non-volatile virtual currency is sold on the virtual currency exchange opened on the server, the point token having an exchange value equal to the exchange value of the sold third non-volatile virtual currency is purchased and transferred to the buyer's account. It may further include a depositing step.

Preferably, (e) when the sales price from the sale of a predetermined product is paid in cash or credit card, the non-volatile virtual currency has an exchange value equal to the exchange value of the sales price paid in cash or credit card. Calculating a fourth non-volatile virtual currency corresponding to the second rate and a fifth non-volatile virtual currency corresponding to the third rate in the server; and (f) among the non-volatile virtual currencies charged to the seller's account, the fourth non-volatile virtual currency and the fifth non-volatile virtual currency calculated in step (e) are withdrawn from the seller's account. It can be included.

Preferably, (g) the fourth non-volatile virtual currency withdrawn in step (f) is sold at the virtual currency exchange and has an exchange value equal to the exchange value of the fourth non-volatile virtual currency sold at the same time. A step of purchasing volatile virtual currency and depositing it into the seller's account; and (h) at the same time as the fifth non-volatile virtual currency withdrawn in step (f) is sold, the point token having an exchange value equal to the exchange value of the sold fifth non-volatile virtual currency is purchased and transferred to the buyer's account. It may further include a depositing step.

Preferably, the types of the non-volatile virtual currency, the volatile virtual currency and the point tokens are multiple, and the various types of non-volatile virtual currency, the various types of volatile virtual currency and the various types of point tokens are provided in the virtual currency. It is bought and sold on currency exchanges,

The server is configured to change the second ratio and the third ratio,

In steps (d) and (h), one type of point token randomly selected by the server among the various types of point tokens sold on the virtual currency exchange is purchased and deposited into the buyer's account,

The non-volatile virtual currency and the volatile virtual currency deposited into the seller's account are deposited into the seller's account through the server, and the point tokens deposited into the buyer's account are deposited into the buyer's account through the server. Sales proceeds paid with cash or credit cards can be deposited directly into any seller's account without going through the server.

Due to the above-mentioned means of solving the problem, not only non-volatile virtual currency but also volatile virtual currency is paid to the seller at a certain rate when making payment, thereby ensuring the safety of payment and at the same time activating trading of volatile virtual currency for which credit has not yet been established. Furthermore, as point tokens issued by businesses are structured to be paid to buyers as points during the payment process for products, the participation of transaction parties is increased due to the usability of the business's point tokens that can be exchanged for certain products. Accordingly, it is possible to increase the company's financing by utilizing these virtual currency transactions during the process of payment through virtual currency transactions.

Figures 1 and 2 are diagrams schematically showing a payment method through virtual currency transactions according to the present invention.

Hereinafter, preferred embodiments according to the present invention will be described with reference to the attached drawings. In this process, the thickness of lines or sizes of components shown in the drawing may be exaggerated for clarity and convenience of explanation. In addition, the terms described below are terms defined in consideration of functions in the present invention, and may vary depending on the intention or custom of the user or operator. Therefore, definitions of these terms should be made based on the content throughout this specification.

This will be described with reference to FIGS. 1 and 2.

In the payment method through virtual currency transaction according to the present invention, “virtual currency” includes non-volatile virtual currency and volatile virtual currency.

“Non-volatile virtual currency” refers to a digitized currency whose exchange value is fixed one-to-one to fiat currency. “Volatile virtual currency” is a digitized asset designed to be used as a means of exchange, and refers to a digitized currency whose exchange value is not fixed one-to-one to fiat currency, but whose exchange value fluctuates depending on supply and demand in the market. Exemplary volatile virtual currencies include Bitcoin, Ethereum, and Ripple.

In the present invention, "point" refers to the value of an arbitrary ratio of the certain value corresponding to the sales price from the seller to the buyer, and refers to the value returned by the seller to the buyer so that it can be disposed of at the buyer's will.

In the present invention, equivalent exchange value refers to the exchange value formed on a virtual currency exchange or other market at the time of exchange.

Of course, in the present invention, the buyer account and seller account can be any type of account known to those skilled in the art (for example, an existing bank account, electronic wallet, etc.) used to implement virtual currency transactions.

Of course, in the present invention, the exchange server can be a single server physically connected, as well as a plurality of exchange servers connected through a network.

Figures 1 and 2 are diagrams schematically showing a product transaction between a buyer and a seller of a product and the resulting virtual currency transaction on an exchange server.

1. The stage where non-volatile virtual currency is withdrawn from the buyer’s account as the product is traded.

When a buyer purchases a product from a seller, non-volatile virtual currency with a certain exchange value may be withdrawn from the buyer's account opened on the server as the purchase price.

As described above, as non-volatile virtual currency, which can be exchanged one-to-one with fiat currency, is used as a means of payment, the safety of payment for the purchase and sale of products can be secured.

Depending on the purchase or sale of the product, non-volatile virtual currency may be withdrawn as the purchase price from the purchaser's account opened on the server. Here, non-volatile virtual currencies can be composed of various types. The buyer can use a specific type of non-volatile virtual currency among the various types of non-volatile virtual currency that have been set, and that specific type of non-volatile virtual currency can be withdrawn from the buyer's account.

2. The step where the withdrawn purchase money goes through a virtual currency exchange and is deposited into the seller’s account as sales money.

As described above, non-volatile virtual currency with a certain exchange value can be withdrawn from the buyer's account as the purchase price.

The withdrawn non-volatile virtual currency may be divided on the server before it is deposited into the seller's account, with the first non-volatile virtual currency corresponding to the first ratio of the withdrawn non-volatile virtual currency and the second ratio of the withdrawn non-volatile virtual currency. It can be divided into a second non-volatile virtual currency corresponding to and a third non-volatile virtual currency corresponding to the third ratio of the withdrawn non-volatile virtual currency.

The sum of the first ratio, second ratio, and third ratio may be 1, and the first ratio, second ratio, and third ratio may be preset in the server. Furthermore, the first, second, and third ratios preset by the buyer, seller, or other server administrator may be changed.

The divided first non-volatile virtual currency can be deposited into the seller's account opened on the server as part of the sales price. The safety of payment can be guaranteed as the first non-volatile virtual currency, which can be exchanged one-to-one with fiat currency, is deposited in the seller's account as part of the sales price.

To ensure the safety of such payment, the first rate may be higher than the second rate or third rate. For example, if the first ratio is 94%, the second ratio may be 1%, and the third ratio may be 5%. Therefore, 94% of the non-volatile virtual currency withdrawn from the buyer's purchase account can be deposited into the seller's sales account as sales proceeds. As described above, the preset first ratio can be further increased to ensure the safety of payment.

The first non-volatile virtual currency, which is a non-volatile virtual currency, may be deposited from the server to the seller's account as part of the sales proceeds, and the volatile virtual currency may be deposited from the server to the seller's account as another part of the sales proceeds.

At the same time that the second non-volatile virtual currency divided from the server is sold on the virtual currency exchange opened on the server, the volatile virtual currency with an exchange value equal to the exchange value of the sold second non-volatile virtual currency is purchased and transferred to the seller's account as the sale proceeds. can be deposited at.

In other words, it can be configured so that non-volatile virtual currency and volatile virtual currency can be bought and sold at the exchange value corresponding to each other at the virtual currency exchange opened on the server, and the non-volatile virtual currency withdrawn from the buyer's purchaser account at the virtual currency exchange can be sold. In some cases, volatile virtual currency may be purchased, and the purchased volatile virtual currency may be deposited into the seller's account.

Here, the volatile virtual currency deposited into the seller's account may be of various types. Among various types of volatile virtual currencies, a specific volatile virtual currency preset by a buyer, seller, or other server administrator may be purchased and deposited into the seller's account.

Accordingly, trading on virtual currency exchanges for volatile virtual currencies without established credit may be activated. Of course, the above-described second ratio can be configured to exceed 0 so that the volatile virtual currency is deposited into the seller's account as part of the sales price.

Accordingly, as part of the sales proceeds are deposited into the seller's account as non-volatile virtual currency, and another part as volatile virtual currency, the safety of payment is guaranteed as a non-volatile virtual currency, and the volatility virtual currency for which credit is not established As transactions become more active, demand for volatile virtual currencies may increase.

3. Step where point tokens are purchased from a virtual currency exchange and deposited into the buyer’s account as points.

In the payment method according to the present invention, the exchange value of the third non-volatile virtual currency sold at the same time as the third non-volatile virtual currency corresponding to the third ratio among the non-volatile virtual currencies withdrawn from the buyer's account is sold on a virtual currency exchange. Point tokens with an exchange value equivalent to can be purchased and deposited into the buyer's account as points provided to the buyer.

The third ratio may be preset and may be changed by the buyer, seller, or other server administrator.

In other words, the buyer can receive point tokens issued by a certain entity as points provided by the seller as part of the purchase price. Point tokens that buyers receive as points can be exchanged for certain products, so the usability of point tokens can be increased.

Point tokens sold on virtual currency exchanges are issued by certain entities such as businesses and can be exchanged for products with a certain exchange value. Here, a product with a certain exchange value may be a product provided by a certain entity that issues point tokens.

Therefore, an entity that issues point tokens that can be exchanged for its products can list the point tokens on a virtual currency exchange so that they can be sold on the virtual currency exchange.

As point tokens are listed on the virtual currency exchange, they can be bought and sold on the virtual currency exchange, and when point tokens issued by a certain entity are sold on the virtual currency exchange, the selling price is deposited into the designated entity's account opened on the server. It can be.

Here, the point token may be preset to various types of point tokens issued by different issuing entities. Among the various types of point tokens, point tokens purchased on a virtual currency exchange may be preset by the buyer, seller, or other server administrator.

In addition, one type of point token randomly selected by the server among the various types of point tokens sold on a virtual currency exchange may be purchased and deposited into the buyer's account. Accordingly, many companies that issue point tokens will want to participate in virtual currency exchanges, and many incentives will be provided to enable their point tokens to be selected among various types of point tokens. As a result, from the buyer's perspective, In addition to point tokens, people will want to participate in the payment method according to the present invention due to incentives provided by companies, etc.

As the above-mentioned point tokens are deposited into the buyer's account as points for the buyer's purchase during the payment process as a product transaction occurs between the buyer and the seller, the buyer can use the deposited point tokens to purchase products useful in real life that have a certain exchange value. Satisfaction with point tokens can be increased by purchasing them. Furthermore, of course, when a buyer purchases a product provided by a certain company, etc., the buyer can pay the purchase price with the point token of the company paid in points.

Ultimately, as the point token issued by a certain entity such as a business is structured to be paid to the buyer as points during the payment process for the product, the transaction party's Participation can be increased.

Furthermore, while point tokens issued by businesses, etc. are listed on virtual currency exchanges, point tokens are sold on virtual currency exchanges as points for purchases made by purchasers during the process of payment through virtual currency transactions, which is the position of businesses. It is possible to increase a company's financing by utilizing the buying and selling of point tokens.

In addition to point tokens, other types of volatile virtual currencies can be deposited into the buyer's buyer account as points. In other words, any volatile virtual currency traded on a virtual currency exchange can be purchased with a certain portion of the purchase price, and the purchased random volatile virtual currency can be deposited into the purchaser's purchaser account as points for the purchase.

Alternatively, a certain portion of the purchase price is divided again in detail, and a portion of the purchase price corresponding to a certain ratio is used to purchase point tokens at a virtual currency exchange, and another portion of the purchase price corresponding to a certain ratio is randomly distributed by the virtual currency exchange. It can be configured as a method used to purchase volatile virtual currencies. Purchased point tokens and random volatile virtual currencies can be deposited into the buyer's account as points provided to the buyer. The random volatility virtual currency purchased in this way on a virtual currency exchange may be various types of random volatility virtual currency, and accordingly, various types of random volatility virtual currency may be deposited into the purchaser's purchaser account. Accordingly, it is possible to increase demand by activating transactions of various types of arbitrary volatile virtual currencies.

4. If payment is made with a credit card in cash without going through the server, a portion of the sales amount is withdrawn from the seller's account.

Payment for product transactions between buyers and sellers can be made in cash or credit cards. Payment through cash or credit card can be made without going through a server where the payment method through virtual currency transaction according to the present invention is implemented.

Even when payment is made without going through the server according to the present invention, it is possible to activate transactions in volatile virtual currencies as described above, encourage participation by transaction parties, and increase financing for businesses, etc.

Specifically, when the sales price from the sale of a certain product is paid with cash or credit card, a non-volatile virtual currency with an exchange value equivalent to the exchange value of the sales price paid with cash or credit card is calculated on the server. The fourth non-volatile virtual currency corresponding to the second ratio of the calculated non-volatile virtual currency and the fifth non-volatile virtual currency corresponding to the third ratio of the calculated non-volatile virtual currency can be calculated on the server.

As the seller enters the sales amount from the sale of a certain product into the server, non-volatile virtual currency, 4th non-volatile virtual currency, and 5th non-volatile virtual currency with an exchange value equivalent to the exchange value of the sales amount are distributed to the server. It can be calculated from .

As described above, the second and third ratios are preset, and can of course be changed by the buyer, seller, or other server administrators.

The exchange value of non-volatile virtual currency, which has an exchange value equivalent to the exchange value of the sales amount paid with cash or credit card, is the value of the non-volatile virtual currency that can be bought or sold with sales proceeds on a virtual currency exchange opened on the server at the time of calculation. It may be exchange value.

Afterwards, the non-volatile virtual currency corresponding to the calculated 4th non-volatile virtual currency and 5th non-volatile virtual currency can be withdrawn from the seller's account.

The non-volatile virtual currency withdrawn from the seller's account may be non-volatile virtual currency deposited and charged to the seller's account in a previous transaction, or it may be non-volatile virtual currency that the seller arbitrarily purchased from a virtual currency exchange and charged to the seller's account. there is.

5. The 4th non-volatile virtual currency is exchanged for volatile virtual currency at the virtual currency exchange, the exchanged volatile virtual currency is deposited into the seller's account, and the 5th non-volatile virtual currency is exchanged for point tokens at the virtual currency exchange. Step where the earned point tokens are deposited into the buyer’s account

At the same time that the fourth non-volatile virtual currency withdrawn from the seller's account is sold on a virtual currency exchange, a volatile virtual currency with an exchange value equal to the exchange value of the sold fourth non-volatile virtual currency can be purchased and deposited into the seller's account.

In other words, it can be configured so that non-volatile virtual currency and volatile virtual currency can be traded at the exchange value corresponding to each other at the virtual currency exchange opened on the server, and the fourth non-volatile virtual currency withdrawn from the seller's account at the virtual currency exchange. Volatility virtual currency can be purchased, and the purchased volatility virtual currency can be deposited into the seller's account.

Accordingly, trading on virtual currency exchanges for volatile virtual currencies without established credit may be activated. Of course, the above-described second ratio can be configured to exceed 0 so that the volatile virtual currency is deposited into the seller's account as part of the sales price.

Accordingly, as a portion of the sales proceeds is deposited into the seller's account in volatile virtual currency, transactions in volatile virtual currency for which credit is not established are active, even if product payment is made with cash or credit cards that ensure the safety of payment. It can be.

At the same time that the fifth non-volatile virtual currency withdrawn from the seller's account is sold, point tokens with an exchange value equal to the exchange value of the sold fifth non-volatile virtual currency are purchased and can be deposited into the buyer's account as points provided to the buyer. .

As the above-mentioned point tokens are deposited into the buyer's account as points for the buyer's purchase during the payment process as a product transaction occurs between the buyer and the seller, the buyer receives a certain exchange value provided by a certain business entity with the deposited point tokens. Satisfaction with point tokens can be increased by being able to purchase products that are useful in real life. Furthermore, as described above, when a buyer purchases a product provided by a certain company, etc., the buyer can, of course, pay the purchase price with point tokens of the company paid in points.

Ultimately, as the point token issued by a certain entity such as a business is structured to be paid to the purchaser as points, the transaction party can be participation can be increased.

Furthermore, while point tokens issued by businesses, etc. are listed on virtual currency exchanges, point tokens are sold on virtual currency exchanges as points for purchases made by buyers through virtual currency transactions, so from the point of view of businesses, the purchase and sale of point tokens is prohibited. It can be used to increase corporate financing.

In addition to point tokens, other types of volatile virtual currencies can be deposited into the buyer's buyer account as points. In other words, as the fifth non-volatile virtual currency is sold on the virtual currency exchange, any volatile virtual currency traded on the virtual currency exchange can be purchased, and the purchased random volatile virtual currency can be deposited into the purchaser's purchaser account. .

Alternatively, the fifth non-volatile virtual currency is divided again in detail, and a portion corresponding to a certain ratio is used to purchase point tokens at a virtual currency exchange, and another portion corresponding to a certain ratio is used to purchase point tokens at a virtual currency exchange. It can be configured as a method used to purchase currency. Purchased point tokens and random volatile virtual currencies can be deposited into the buyer's account as points provided to the buyer. The random volatility virtual currency purchased in this way on a virtual currency exchange may be various types of random volatility virtual currency, and accordingly, various types of random volatility virtual currency may be deposited into the purchaser's purchaser account. Accordingly, trading of various types of random volatility virtual currencies may be activated, thereby increasing the demand for random volatile virtual currencies.

Non-volatile virtual currency, volatile virtual currency, and point tokens deposited into the seller's account are deposited into the seller's account or buyer's account through the server, but sales proceeds paid with cash or credit cards are deposited directly into a random seller's account without going through the server. In this situation, when payment is made with cash or credit card, the 4th non-volatile virtual currency and the 5th non-volatile virtual currency are withdrawn from the seller's account, and the withdrawn 4th non-volatile virtual currency is used to exchange volatility on the virtual currency exchange. Virtual currency is purchased and deposited into the seller's account, and point tokens are purchased with the withdrawn fifth non-volatile virtual currency and deposited into the buyer's account.

Above, the present invention has been described with reference to the embodiments shown in the drawings so that those skilled in the art can easily understand and reproduce the present invention. However, these are merely illustrative examples, and various modifications and equivalent alternatives can be made by those skilled in the art from the embodiments of the present invention. It will be appreciated that embodiments are possible. Therefore, the scope of protection of the present invention should be determined by the scope of the patent claims.

Claims (5)

(a) A step in which non-volatile virtual currency with a certain exchange value is withdrawn from the buyer's account opened on the server as the purchase price for purchasing a certain product;
(b) The non-volatile virtual currency withdrawn in step (a) corresponds to the first non-volatile virtual currency corresponding to the first rate of the withdrawn non-volatile virtual currency and the second rate of the withdrawn non-volatile virtual currency. Splitting on the server into a second non-volatile virtual currency; and
(c) The first non-volatile virtual currency divided in step (b) is deposited into the seller's account opened on the server as sales proceeds from the sale of a certain product, and the second non-volatile virtual currency divided in step (b) is deposited into the seller's account opened in the server. At the same time as the virtual currency is sold on the virtual currency exchange opened on the server, the volatile virtual currency having an exchange value equal to the exchange value of the sold second non-volatile virtual currency is purchased, and the seller receives the sales proceeds from the sale of a certain product. Including the step of depositing money into the account,
In the virtual currency exchange opened on the server, the non-volatile virtual currency and the volatile virtual currency are traded at the exchange value corresponding to each other,
The second ratio exceeds 0,
In step (b), the non-volatile virtual currency withdrawn in step (a) is further divided by the server into a third non-volatile virtual currency corresponding to the third ratio of the withdrawn non-volatile virtual currency,
Point tokens issued by a given entity are sold on the virtual currency exchange so that they can be exchanged for products provided by the given entity,
When the point token issued by the predetermined entity is sold on the virtual currency exchange, the selling price is deposited into the predetermined entity's account opened on the server,
(d) At the same time as the third non-volatile virtual currency is sold on the virtual currency exchange opened on the server, the point token having an exchange value equal to the exchange value of the sold third non-volatile virtual currency is purchased and transferred to the buyer's account. It further includes the step of depositing money into,
The point token deposited into the buyer's account in step (d) is paid as a purchase price for the purchase of a product provided by a certain entity that issued the point token,
(e) When the sales price from the sale of a given product is paid in cash or credit card and the sales price is entered into the server, the non-volatility has an exchange value equivalent to the exchange value of the sales price paid in cash or credit card. Calculating a fourth non-volatile virtual currency corresponding to the second ratio of virtual currency and a fifth non-volatile virtual currency corresponding to the third ratio in the server;
(f) withdrawing from the seller's account the fourth non-volatile virtual currency and the fifth non-volatile virtual currency calculated in step (e) among the non-volatile virtual currencies charged to the seller's account;
(g) At the same time as the fourth non-volatile virtual currency withdrawn in step (f) is sold on the virtual currency exchange, the volatile virtual currency having an exchange value equal to the exchange value of the fourth non-volatile virtual currency sold Step of purchasing and depositing money into the seller's account; and
(h) At the same time as the fifth non-volatile virtual currency withdrawn in step (f) is sold, the point token having an exchange value equal to the exchange value of the sold fifth non-volatile virtual currency is purchased and placed in the buyer's account. It further includes the step of depositing money,
The non-volatile virtual currency and the volatile virtual currency deposited into the seller's account are deposited into the seller's account through the server, and the point tokens deposited into the buyer's account are deposited into the buyer's account through the server. A method of payment through virtual currency transactions in which sales proceeds paid with cash or credit cards are deposited directly into a random seller's account without going through the server.
delete delete delete According to claim 1,
There are many types of non-volatile virtual currency, volatile virtual currency, and point token,
The various types of non-volatile virtual currencies, the various types of volatile virtual currencies, and the various types of point tokens are sold on the virtual currency exchange,
The server is configured to change the second ratio and the third ratio,
In steps (d) and (h), a virtual currency transaction in which one type of point token randomly selected by the server among the various types of point tokens sold on the virtual currency exchange is purchased and deposited into the buyer's account. Payment method through .