KR102672089B1 - Payment service system based on blockchain technology and method for providing a blockchain-based payment service using the same - Google Patents

Abstract

A blockchain-based payment brokerage service system according to a technical aspect of the present invention includes at least one buyer terminal, at least one seller terminal that performs payment in conjunction with the at least one buyer terminal, and the at least one buyer terminal, and Provides a payment brokerage service in conjunction with the at least one seller terminal, and allocates a blockchain-based digital pay corresponding to the payment amount of the first payment method paid from the at least one buyer terminal to the at least one buyer terminal. exchange money, and when the buyer terminal performs payment based on the blockchain-based digital pay, payment of the blockchain-based digital pay is processed to the at least one seller terminal, and payment is made to the at least one seller terminal. It includes a service server that converts the blockchain-based digital pay into a second payment method. The service server performs currency exchange by applying a constantly set discount rate regardless of whether a change in the intrinsic value of the digital pay for the second payment method occurs.

Description

Blockchain-based payment brokerage service system and method of providing blockchain-based payment service using the same {Payment service system based on blockchain technology and method for providing a blockchain-based payment service using the same}

The present invention relates to a blockchain-based payment brokerage service system and a method of providing a blockchain-based payment service using the same.

With the development of fintech technology, the popularization of credit cards, the expansion of internet/mobile banking, and the expansion of e-commerce and the digital economy are spreading globally, and the scale of online and offline payments is expanding beyond regions and borders to become global. is increasingly expanding.

Meanwhile, contrary to this picture, many of the world's population still do not have bank accounts due to structural or geographical problems. For example, more than 90% of Pakistanis do not have bank accounts.

Accordingly, the demand for new payment solutions is growing, and recently, the issue of payment solutions using digital assets has been growing.

These digital assets are being presented as an alternative that can solve the problems of the existing payment structure at a time when the digital economy between regions and countries is increasingly expanding. However, conventional digital asset-based payment solutions suffer from the high price volatility of digital assets, the lack of an incentive system in which all ordinary people can easily participate, the complex and difficult user experience of digital assets, the high learning curve of difficulty, and the traditional offline payment market. Due to problems such as physical limitations in the introduction of blockchain payments, it has limitations that prevent it from being established in the real economy.

Additionally, in the case of conventional fintech technology that did not use digital assets, the number of system elements contributing to payment services increases. For example, in the case of card payments, in addition to consumer sellers and credit card companies, VAN (Value Added Network), PG (payment gateway), etc. participate in the payment. Due to this complex multi-stage structure, a settlement process between multiple parties is essential from payment to settlement, which has the limitation of not only generating excessive fees but also requiring a settlement period of several days or more. As a result, there is a problem in that sellers not only have to pay a significant percentage of commission, but also incur a cost burden due to the period until settlement is completed.

One technical aspect of the present invention is to solve the problems of the prior art described above. Based on a blockchain-based smart contract and its own digital pay, incentives are given to all users to encourage participation, and existing PIN By combining technology, we provide a blockchain-based payment brokerage service system that can provide users with a convenient use environment and also provide usability in the traditional offline market, and a method of providing blockchain-based payment services using the same.

In addition, one technical aspect of the present invention is a blockchain-based payment system that can reduce fees and provide quick settlement by improving the inefficiency of the existing payment system using a blockchain-based smart contract and its own digital pay. It provides a brokerage service system and a method of providing blockchain-based payment services using it.

In addition, one technical aspect of the present invention is to provide a blockchain-based payment brokerage service system that can flexibly replace the volatility of its own digital pay and a method of providing a blockchain-based payment service using the same.

In addition, one technical aspect of the present invention is a blockchain-based payment brokerage service system that can provide platform users with scalability and convenience in freely applying promotions and policies for each platform according to the industry, and the same. It provides a method of providing payment services based on blockchain.

The above objects and various advantages of the present invention will become more apparent to those skilled in the art from preferred embodiments of the present invention.

One technical aspect of the present invention proposes a blockchain-based payment brokerage service system. The blockchain-based payment brokerage service system includes at least one buyer terminal, at least one seller terminal that performs payment in conjunction with the at least one buyer terminal, and the at least one buyer terminal and the at least one seller terminal. Provides a payment brokerage service in conjunction with the transaction, assigns and exchanges blockchain-based digital pay corresponding to the payment amount of the first payment method paid from the at least one purchaser terminal to the at least one purchaser terminal, and exchanges the purchaser terminal. When payment is made based on the blockchain-based digital pay, payment of the blockchain-based digital pay is processed to the at least one seller terminal, and the blockchain-based digital pay paid to the at least one seller terminal is processed. It includes a service server that converts pay into a second payment method. The service server performs currency exchange by applying a constantly set discount rate regardless of whether a change in the intrinsic value of the digital pay for the second payment method occurs.

Another technical aspect of the present invention proposes a method of providing payment services based on blockchain. The blockchain-based payment service providing method includes a service server that provides a blockchain-based payment brokerage service in conjunction with at least one buyer terminal and at least one seller terminal that performs payment in conjunction with the at least one buyer terminal. A method of providing a blockchain-based payment service performed in, wherein a blockchain-based digital pay corresponding to the payment amount of the first payment method paid from the at least one purchaser terminal is allocated to the at least one purchaser terminal and exchanged. Step, in conjunction with the at least one buyer terminal and the at least one seller terminal, when the buyer terminal performs a payment based on the blockchain-based digital pay, the blockchain-based digital payment is sent to the at least one seller terminal. It includes providing a payment brokerage service by processing payment of pay, and converting the blockchain-based digital pay paid to the at least one seller terminal into a second payment method.

Another technical aspect of the present invention proposes a storage medium. The storage medium is a storage medium storing computer-readable instructions, which, when executed by a computing device, cause the computing device to make the first payment paid from the at least one purchaser terminal. An operation of allocating and exchanging a blockchain-based digital pay corresponding to the payment amount of the means to the at least one buyer terminal, in conjunction with the at least one buyer terminal and the at least one seller terminal, wherein the buyer terminal is connected to the block When a payment is made based on a chain-based digital pay, an operation of providing a payment brokerage service by processing payment of the blockchain-based digital pay to the at least one seller terminal, the block paid to the at least one seller terminal When exchanging chain-based digital pay for a second payment method and exchanging for the at least one purchaser terminal and the at least one seller terminal, the first payment method and the second payment method Regardless of whether a change in the intrinsic value of digital pay occurs, an operation is performed to apply a consistently set discount rate.

The means for solving the above problems do not enumerate all the features of the present invention. Various means for solving the problems of the present invention can be understood in more detail by referring to specific embodiments in the detailed description below.

According to one embodiment of the present invention, it compensates for the volatility of digital assets, encourages participation by providing incentives to all users, provides a convenient usage environment for users by combining existing fintech, and provides traditional offline markets. It also has the effect of providing usability.

In addition, according to one embodiment of the present invention, there is an effect of lowering fees and providing quick settlement by improving the inefficiency of the existing payment system by using a blockchain-based smart contract and its own digital pay.

In addition, according to one embodiment of the present invention, there is an effect of flexibly replacing the volatility of the own digital pay.

In addition, according to one embodiment of the present invention, there is an effect of providing scalability and convenience to platform users by freely applying promotions and policies to each platform according to the industry.

Figure 1 is a diagram illustrating an application example of a blockchain-based payment brokerage service system according to an embodiment of the present invention.
2 is a diagram illustrating an exemplary computing operating environment of a service server according to an embodiment of the present invention.
Figure 3 is a block diagram illustrating an example of a service server according to an embodiment of the present invention.
Figure 4 is a flowchart explaining a method of providing a blockchain-based payment service according to an embodiment of the present invention.
Figures 5 to 10 are reference diagrams explaining various functions of the blockchain-based payment brokerage service according to the present invention.
FIG. 11 is a block diagram illustrating an embodiment of the payment brokerage management unit shown in FIG. 3.
FIG. 12 is a block diagram illustrating an embodiment of the distribution management unit shown in FIG. 3.

Hereinafter, preferred embodiments of the present invention will be described with reference to the attached drawings.

However, the embodiments of the present invention may be modified into various other forms, and the scope of the present invention is not limited to the embodiments described below. Additionally, the embodiments of the present invention are provided to more completely explain the present invention to those with average knowledge in the relevant technical field.

That is, the above-described objects, features, and advantages will be described in detail later with reference to the attached drawings, so that those skilled in the art will be able to easily implement the technical idea of the present invention. In describing the present invention, if it is determined that a detailed description of known technologies related to the present invention may unnecessarily obscure the gist of the present invention, the detailed description will be omitted. Hereinafter, preferred embodiments according to the present invention will be described in detail with reference to the attached drawings. In the drawings, identical reference numerals are used to indicate identical or similar components.

Additionally, as used herein, singular expressions include plural expressions, unless the context clearly dictates otherwise. In the present application, terms such as “consists of” or “comprises” should not be construed as necessarily including all of the various components or steps described in the specification, and some of the components or steps may include It may not be included, or it should be interpreted as including additional components or steps.

In addition, in order to explain the system according to the present invention, various components and their sub-components are described below. These components and their sub-components may be implemented in various forms such as hardware, software, or a combination thereof. For example, each element may be implemented as an electronic configuration to perform the corresponding function, or may be implemented as software itself that can be run in an electronic system, or as a functional element of such software. Alternatively, it may be implemented with an electronic configuration and corresponding driving software.

The various techniques described herein may be implemented with hardware or software, or a combination of both as appropriate. As used herein, terms such as “Unit,” “Server,” and “System” likewise refer to a computer-related entity, i.e., hardware, a combination of hardware and software, software or It can be treated as equivalent to software at the time of execution. Additionally, each function executed in the system of the present invention may be configured in module units and may be recorded in one physical memory, or may be distributed and recorded between two or more memories and recording media.

Various flowcharts are disclosed to explain embodiments of the present invention, but these are for convenience of explanation of each step, and each step is not necessarily performed in accordance with the order of the flowchart. That is, each step in the flowchart may be performed simultaneously, in an order according to the flowchart, or in an order opposite to the order in the flowchart.

Figure 1 is a diagram illustrating an application example of a blockchain-based payment brokerage service system according to an embodiment of the present invention.

Referring to FIG. 1, the blockchain-based payment brokerage service system includes at least one buyer terminal 100 and at least one seller terminal 200 that performs payment in conjunction with the at least one buyer terminal. Additionally, it includes a service server 300 that provides a payment brokerage service in conjunction with at least one buyer terminal and at least one seller terminal.

The service server 300 issues and manages blockchain-based digital pay, and can use it to mediate payments between the buyer terminal 100 and the seller terminal 200. At least one of the buyer terminal 100 or the seller terminal 200 is a payment method other than the blockchain-based digital pay issued by the service server 300 (e.g., cash such as won or non-blockchain such as Kakao Pay, etc.) based digital pay, etc.) can be used, and the service server 300 can perform payment brokerage based on currency exchange between these other payment methods and blockchain-based digital pay.

For example, the service server 300 may exchange blockchain-based digital pay corresponding to the payment amount of the first payment method paid from at least one purchaser terminal by allocating it to at least one purchaser terminal.

For example, when a buyer terminal makes a payment based on a blockchain-based digital pay, the service server 300 may process payment of the blockchain-based digital pay to at least one seller terminal.

For example, the service server 300 may exchange blockchain-based digital pay paid to at least one seller terminal into a second payment method.

When performing such currency exchange, the service server 300 may perform the currency exchange by applying a constantly set discount rate, regardless of whether a change in the intrinsic value of the digital pay for the first or second payment method occurs. For example, even if the value of blockchain-based digital pay compared to the Korean won continues to change, the corresponding digital pay can be provided with a lump sum discount rate of a certain percentage (e.g., 5%) when exchanging currency. Accordingly, at any point in time, regardless of the price volatility of the blockchain-based digital pay itself compared to the Korean Won, it can be converted into a quantity corresponding to the Korean Won price at that time and used.

The service server 300 can manage information about transaction brokerage based on smart contracts. As an example, the service server 300 can individually set up a smart contract for each seller, and use this smart contract to comprehensively support transaction history management and promotion settings for each seller.

As an example, the service server 300 is a first payment method for payment with at least one buyer terminal and a second payment method for payment between the at least one seller terminal, and provides payment methods in various online and offline environments. You can apply. For example, the service server 300 may support at least one of mobile simple payment, credit card payment, and cash payment.

As an example, the service server 300 is a blockchain-based digital pay, and not only KONPAY, which is a digital pay provided by itself, but also existing digital assets including Bitcoin and Ethereum, as well as exchanges with relatively stable volatility. Table coins can be set according to the user's choice. To this end, the service server 300 can build a blockchain network for interworking with existing digital asset systems and stable coin systems, including Bitcoin and Ethereum.

As an example, the service server 300 can provide a payment environment that is advantageous to users and sellers by collecting a minimum payment fee. For example, the service server 300 receives and processes 0.02% of the blockchain-based digital pay paid by the buyer as a payment fee and processes the remaining 99.98% as payment to the seller, which is 20 to 40 times the conventional payment fee. Payment services can be provided with lower fees. In addition, the service server 300 allows immediate payment settlement to the seller based on digital pay, so unlike the conventional case where payment settlement to the seller requires several days to several weeks, the present invention provides immediate payment settlement. By providing , it is possible to provide greater liquidity of funds to the seller.

The service server 300 can provide payment services based on linkage with existing PG companies. For example, there are PG companies that provide online and offline integrated payment services, such as KSNET, and the service server 300 can provide payment services based on linkage with these PG companies.

As an example, the service server 300 may provide payment relay using blockchain-based digital currency provided by the service server 300 based on the payment made with the PG company. For example, payment on the seller's terminal side is provided as a payment service based on a PG company, and the service server 300 can provide payment relay by setting payment with the PG company as a second payment method.

As another example, the service server 300 may perform payment by linking within the payment process with the PG company. For example, during the internal payment process of a PG company's payment relay, the service server 300 is linked to perform a payment relay function using digital pay, thereby providing payment relay.

Meanwhile, in FIG. 1, only the service server 300 is shown to be connected to the blockchain network 400, but this is an example. Therefore, the buyer terminal 100 or the seller terminal 200 can also directly access the blockchain network, or the buyer terminal 100 or the seller terminal 200 can indirectly access the blockchain network through the service server 300. Various modifications, such as accessibility, are possible.

Additionally, although other payment platforms are not shown in FIG. 1, the service server 300 can perform currency exchange, etc. in conjunction with other payment platforms.

Hereinafter, various embodiments of a service server and a blockchain-based payment service providing method performed on the service server will be described with reference to FIGS. 2 to 12. Below, blockchain-based digital pay will be described by referring to it as KONAPAY, but this is an illustrative expression and is not particularly limited by this expression.

2 is a diagram illustrating an exemplary computing operating environment of a service server according to an embodiment of the present invention.

2 is intended to provide a general and simplified description of a suitable computing environment in which embodiments of management server 300 may be implemented; with reference to FIG. 2, a computing device is shown as an example of management server 300. do.

The computing device may include at least a processing unit 303 and a system memory 301.

A computing device may include multiple processing units that cooperate in executing programs. Depending on the exact configuration and type of computing device, system memory 301 may be volatile (e.g., RAM), non-volatile (e.g., ROM, flash memory, etc.), or a combination thereof. The system memory 301 includes a suitable operating system 302 for controlling the operation of the platform, such as the WINDOWS operating system from Microsoft Corporation. System memory 301 may include one or more software applications, such as program modules and applications.

The computing device may include additional data storage devices 304, such as magnetic disks, optical disks, or tape. This additional storage may be removable storage and/or stationary storage. Computer-readable storage media may include volatile and non-volatile, removable and non-removable media implemented in any method or technique for storage of information such as computer-readable instructions, data structures, program modules, or other data. The system memory 301 and storage 304 are all examples of computer-readable storage media. Computer-readable storage media may include RAM, ROM, EEPROM, flash memory or other memory technology, CD-ROM, DVD or other optical storage, magnetic tape, magnetic disk storage or other magnetic storage, or any desired storage device. It may include, but is not limited to, any other medium that can store information and be accessed by computing device 300.

Input devices 305 of the computing device may include, such as a keyboard, mouse, pen, voice input device, touch input device, and comparable input devices. Output devices 306 may include, for example, displays, speakers, printers, and other types of output devices. Since these devices are widely known in the art, detailed descriptions are omitted.

A computing device may include a communication device 307 that allows the device to communicate with other devices, such as through networks, such as wired and wireless networks, satellite links, cellular links, local area networks, and comparable mechanisms, e.g., in a distributed computing environment. there is. Communication device 307 is one example of communication media, which may contain computer-readable instructions, data structures, program modules, or other data therein. By way of example, and not limitation, communication media includes wired media such as a wired network or direct connection, and wireless media such as acoustic, RF, infrared and other wireless media.

The management server 300 can be described as a functional configuration implemented in this computing environment. This will be explained with reference to FIG. 3 .

FIG. 3 is a block diagram illustrating an example of a service server according to an embodiment of the present invention, and FIG. 4 is a flowchart illustrating a method of providing a blockchain-based payment service according to an embodiment of the present invention.

Referring to Figures 3 to 10, the service server will be described in more detail.

Referring to FIG. 3, the service server 300 may include a blockchain management unit 310, a platform linking unit 320, a smart contract management unit 330, a payment brokerage management unit 340, and a distribution management unit 350. .

The blockchain management unit 310 can create, verify, and disseminate records of the use of blockchain-based digital pay using blockchain in conjunction with the blockchain network. When payment brokerage or currency exchange occurs by the payment brokerage management unit 340, the blockchain management unit 310 can record, verify, and disseminate it by reflecting it in the blockchain environment.

As an example, the blockchain management unit 310 can manage a blockchain network including a main chain and at least one side chain. The blockchain management unit 310 can improve the stability and security of transactions by creating, verifying, and disseminating digital pay transactions using the main chain. The blockchain management unit 310 can allocate individual side chains to specific sellers. Figure 10 shows an example of allocating individual side chains to specific sellers, that is, affiliated stores, and providing separate blockchain-based digital pay (tokens) used in these side chains.

As an example, the blockchain management unit 310 may perform blockchain processing based on variable transactions. For example, as shown in the example shown in FIG. 10, the blockchain management unit 310 can adjust the scalability of the node by using a method such as using multiple side chains in addition to the main blockchain network. Additionally, the nodes of the main blockchain network can be expanded variably. In this way, using the scalability of the node, the blockchain management unit 310 can variably change the transaction, for example, set it to 1000 transactions per second. Through this, unlike existing blockchain technology, fast processing is possible by setting the block time variably, for example, 1 second to 2 minutes.

The platform interconnection unit 320 can provide platform services that manage payments and transactions to the platform provider. In other words, the platform provider can be given permission to use the platform that provides at least some of the functions of the system, and the platform provider can provide and operate the platform based on this. The platform interconnection unit 320 can calculate a certain transaction fee based on the usage history of the platform provided to the platform provider.

Figure 5 shows an example of a wallet provided to a platform provider based on blockchain.

The platform provider can receive platform service functions through the platform interlocking unit 320 and provide platform services that support payments and transactions based on this. Platform providers can receive a certain transaction fee in return based on the user ratio. In order to become a platform provider, you must perform local KYC and AML procedures and build your own CA server. In addition, beyond the digital asset wallet service that simply provides payment functions, you can develop your business by becoming an affiliate.

For example, in the case of an online shopping mall or franchise branch, in addition to using the payment function as an affiliated store on the KONPAY network, as a platform provider, the company provides various payment and remittance functions using KONPAY within the shopping mall directly to its customers or employees. Business models can be diversified

Figure 8 shows an example of the crypto economy. In the illustrated example, it can be seen that merchants and consumers who are sellers are included based on the blockchain network provided by the blockchain management unit 310 and the platform provider function provided by the platform interlocking unit 320.

For example, in order to become a platform provider, you must perform local KYC and AML procedures and build your own CA server. In addition, beyond the digital asset wallet service that simply provides payment functions, you can develop your business by becoming an affiliate. For example, in the case of an online shopping mall or franchise branch, in addition to using the payment function as an affiliated store on the KONPAY network, as a platform provider, it provides various payment and remittance functions using KONPAY within the shopping mall directly to its customers or employees. Business models can be diversified

Sellers, i.e., affiliated stores, can communicate directly with users through the payment system in the KONPAY ecosystem, provide goods and services, and receive payments from users with KON COIN and various assets. Merchants can conduct promotions with their own tokens, such as loyalty points and coupons, in return for user contributions. The KONPAY network provides transaction fees of less than 1% and various marketing and promotional solutions to affiliates, and can provide KON COIN as compensation for platform use depending on the transaction ratio.

When a user pays with KONPAY Token, the affiliated store uses an immediate settlement method, and the payment is immediately settled in Korean Won. The payment is immediately exchanged for Korean Won in KONPAY's payment deposit pool, allowing payment to the affiliated store. Through this, immediate refund of sales proceeds is possible.

Merchants can make online and offline payments, and act as block verifiers through the node peer software installed on the terminal, and additional compensation can be set.

Consumers can use KON COIN and various assets as a payment method to purchase products and services in the KONPAY ecosystem. When a user holds a certain percentage of KON COIN, they are given a contribution level according to the quantity, and depending on the level, they participate as a node peer partner through remittance fee discounts, P2P transactions, KON COIN lending, and Staking to receive compensation for block verification. can be distributed.

By sharing your transaction information with trusted network participants, you can receive KON COIN or various merchant points as compensation for sharing transaction information. This incentive program promotes the liquidity of KONPAY digital assets, contributing to the growth and stability of the ecosystem. Economic circulation can be achieved.

The smart contract management unit 330 can create, provide, and manage smart contracts in connection with payment relay.

For example, the smart contract management unit 330 may individually create a smart contract for at least one seller and support transaction history management and promotion settings for each seller based on the smart contract.

The smart contract management unit 330 has the effect of providing scalability and convenience to platform users by freely applying promotions and policies to each platform according to the industry.

Figure 6 shows a smart contract using a node peer. Referring to Figure 6, a blockchain network may be composed of a series of peer nodes - or simply a unit of nodes connected as a group. Peers host the blockchain ledger and smart contract contracts, which are very important in the network, and can play a role in block verification, creation, and propagation as actual block verifiers. These peers can operate in association with smart contracts.

As an example, each node peer may perform block verification, and compensation may be paid to the node peer based on this. For example, the blockchain management unit 310 can request peer block verification from each terminal (seller or buyer) through the node peer system of the blockchain network. To this end, software for block verification can be distributed and installed on each terminal, which allows affiliated stores to provide payment services using the terminal and at the same time perform the role of a block verifier. When each terminal performs its role as a block verifier, the blockchain management unit 310 stores block verification history information for each terminal and sets compensation for the terminal based on the stored block verification history information.

In addition, the node peer partner method, in which general platform users stake a certain amount of KON Coin and rent terminals to small business owners, can also be applied. When set to this node peer partner method, the blockchain management unit 310 receives the information obtained during block verification. Compensation can be set so that users and affiliates share a certain amount of shares. Accordingly, small business affiliates have the advantage of being able to use payment services without an initial investment amount, and users can earn additional profits through Staking.

The payment brokerage management unit 340 may provide a payment brokerage function. The payment brokerage management unit 340 may provide a payment relay function between different payment methods.

For example, the payment brokerage management unit 340 provides a payment brokerage service in conjunction with at least one buyer terminal and at least one seller terminal, and for this purpose, provides a payment brokerage service corresponding to the payment amount of the first payment method for at least one buyer terminal. Blockchain-based digital pay can be allocated and exchanged, and the blockchain-based digital pay can be exchanged as a second payment method for the at least one seller terminal.

In one embodiment, the first payment method and the second payment method may be different currency methods. For example, the first payment method may be a non-blockchain-based digital pay, and the second payment method may be the domestic currency, won.

In another embodiment, the first payment method and the second payment method may be the same currency and may be Korean Won, which is the domestic currency.

Figure 9 shows an example of the payment brokerage function between such a buyer (user) and seller (affiliate store). In the illustrated example, the buyer performs payment using cash and the seller also uses cash. As shown in the example, the payment brokerage management unit 340 mediates payments based on blockchain-based digital pay (KONPAY), and since this brokerage is performed immediately, the affiliated store requires a separate fee for settlement. This has the effect of eliminating the need for waiting time. In addition, transaction recording and verification are performed based on blockchain technology, so it is stable and accurate.

In one embodiment, the payment brokerage management unit 340 may provide a marketplace function. Figure 7 shows an example of a marketplace provided by the payment brokerage management unit 340. The payment brokerage management unit 340 can provide individual users with KON COIN transactions and multiple digital asset-to-digital asset transactions using the marketplace. Through this, all users can make instant point and digital asset transactions with minimal fees. Fees received through marketplace transactions can be used to compensate users for using the platform and to maintain and repair services. Additionally, in order to use the marketplace, you can either pay the fee directly with KONPAY or use the service by selecting KONPAY automatic conversion payment. In addition, if there are coupons or loyalty points issued by KONPAY's platform providers, peers, affiliated stores, etc., the use of points within the platform is expanded or P2P transactions between users are possible in the marketplace, allowing users to use the platform more efficiently. You can also use points.

In one embodiment, the payment brokerage management unit 340 may provide a discount rate that is independent of changes in intrinsic value. For example, when performing a currency exchange for at least one buyer terminal and the at least one seller terminal, regardless of whether a change in the intrinsic value of the digital pay for the first payment method and the second payment method occurs, a certain amount is set. A set discount rate can be applied. This can provide even greater value by converting and using the quantity corresponding to the Korean Won price at any point in time, regardless of the volatility of KON COIN's own price compared to the Korean Won. For example, when platform user A wants to convert to KON COIN to purchase “Product Y” priced at 1,000 Won, (a) the conversion rate to Won is 1:1 and (b) the conversion rate to Won is 1:1. There may be a case of 2.

In these two cases, the quantity of KON coins that user A can purchase for 1,000 won is as follows.

In case (a), 1,000 won = 1 KON

In case (b), 1,000 won = 2KON

In this case, the Korean won price of “Product Y” does not change and remains 1,000 won. However, if you view KON COIN as a process to purchase “Product Y” and as an intermediate participating company, you can consider the following situation.

(c) 1,000 won = 1KONPAY = "Product Y"

(d) 1,000 won = 2KONPAY = "Product Y"

In other words, KON COIN has its own value within the ecosystem regardless of the price generated in the trading market.

Through this, it not only serves as a transaction verifier that replaces the role of intermediate participating companies, but also provides a high incentive to users and sellers in that they can always receive a 5% discount rate when purchasing goods on the platform. In addition, since a fee is paid with KON COIN to use the marketplace, it provides the effect of always generating demand.

In one embodiment, the payment brokerage management unit 340 may manage consumer purchase information. Customer information or consumer information is data mainly used by marketing companies and departments to increase overall customer satisfaction by analyzing the purchasing behavior and patterns of the customer base. However, this kind of customer data collection is sometimes collected in violation of customers' personal information protection, and a management system that can accurately manage and regulate this is required. In general, customer data is collected through invisible methods such as click-through rate or bounce rate, in addition to explicit online surveys or consent to the collection and use of personal information. In addition, in the case of providing personal information to third parties, it is vulnerable to abuse and leakage due to the lack of information about exactly for what purpose and to what organization it is used. Accordingly, the payment brokerage management unit 340 can provide a purchase information management function so that consumers using the platform can directly manage their purchase information and consumer information. Through this, consumers can provide only the customer information they wish to provide to the organizations of their choice among partners and franchises registered with KONPAY, and KONPAY is provided as compensation to users depending on the number, purpose, and importance of the information provided. This will allow consumers to proactively manage their purchase information and consumer information while receiving compensation for it.

FIG. 11 is a block diagram illustrating an embodiment of the payment brokerage management unit shown in FIG. 3. Referring to FIG. 11, the payment brokerage management unit 340 may include a first currency exchange management module 341, a second currency exchange management module 342, and a currency exchange discount management module 343.

The first currency exchange management module 341 can exchange the first payment method provided by the buyer terminal into digital pay (KONPAY) by linking with the buyer terminal. For example, the first currency exchange management module 341 may exchange a blockchain-based digital pay corresponding to the payment amount of the first payment method paid from at least one buyer terminal by allocating it to the at least one buyer terminal. 2 The currency exchange management module 342 can exchange blockchain-based digital pay paid to the seller terminal to a second payment method in conjunction with the seller terminal.

Various payment methods (currencies) can be used as the first payment method used by the buyer terminal or the second payment method used by the seller terminal. For example, a variety of payment methods can be used, including card payment methods, NFC (Near Field Couponing)-based contactless card payment methods such as Samsung Pay, and non-blockchain-based digital pay payments such as Kakao Pay using QR codes.

The currency exchange discount management module 343 processes payment brokerage and can provide a currency exchange discount during payment brokerage. For example, the currency exchange discount management module 343 is linked with at least one buyer terminal and the at least one seller terminal, and when the buyer terminal makes a payment based on the blockchain-based digital pay, the currency exchange discount management module 343 sends the above information to at least one seller terminal. Payment brokerage services can be provided by processing blockchain-based digital pay payments. In addition, the currency exchange discount management module 343 determines whether a change in the intrinsic value of digital pay for the first payment method and the second payment method occurs when performing currency exchange for at least one buyer terminal and at least one seller terminal. Regardless, a consistently set discount rate can be applied. For example, a discount rate consistently set for a buyer may be a purchase discount rate set for the buyer, and a discount rate consistently set for a seller may be a discount rate for a commission set for the seller.

FIG. 12 is a block diagram illustrating another embodiment of the payment brokerage management unit shown in FIG. 3. Referring to FIG. 11, the payment brokerage management unit 340 may include a first currency exchange management module 341, a second currency exchange management module 342, a currency exchange recommendation module 344, and a digital pay trend analysis module 345. there is.

Since the first currency exchange management module 341 and the second currency exchange management module 342 can be easily understood from the above description with reference to FIG. 11, their description is omitted here.

The digital pay trend analysis module 345 can calculate the purchase trend and currency exchange trend of blockchain-based digital pay in the service server 300.

For example, the digital pay trend analysis module 345 can generate a purchase probability model for each buyer based on purchase records. Thereafter, the digital pay trend analysis module 345 may calculate the purchase probability trend of all digital pay based on the purchase probability model of all buyers. In addition, the digital pay trend analysis module 345 can generate a payment settlement probability model for each seller based on the payment settlement record - information recording the seller's settlement - and based on the payment settlement probability model for all sellers. You can calculate the payment settlement trend of all digital pay.

The currency exchange recommendation module 344 determines the value volatility of digital pay based on the purchase probability trend and payment settlement trend of all digital pay analyzed in the digital pay trend analysis module 345, and purchases the buyer based on the determined value volatility. Alternatively, information on when to recommend currency exchange can be provided to the seller.

The value volatility calculated in the currency exchange recommendation module 344 may be proportional to an increase in the purchase probability trend and proportional to a decrease in the payment settlement trend.

For example, when determining purchase and settlement trends in December each year, assuming that the purchase probability trend shows a high purchase probability in the end of December (e.g., the 20th to 30th), as the purchase of digital pay increases, The value of digital pay increases. Therefore, in this case, the currency exchange recommendation module 344 may recommend the seller to make the settlement at the end of December.

As another example, for example, when judging the settlement trend in December every year, assuming that the settlement probability trend shows a high settlement probability at the beginning of each month (e.g., from the 1st to the 10th), sales of digital pay increase due to settlement. As a result, the value of digital pay may decrease. Therefore, in this case, the currency exchange recommendation module 344 may recommend the purchase of digital pay in advance to the buyer in early December.

The distribution management unit 350 can manage distribution by creating blockchain-based digital pay. FIG. 13 is a block diagram illustrating an embodiment of the distribution management unit shown in FIG. 3, which will be described with reference to FIG. 13.

Distribution by creation of blockchain-based digital pay includes marketplace liquidity supply pool (351), user compensation pool (352), partner deposit (353), payment deposit (354), KONPAY operation and marketing (355), and advisor budget. It can be divided into (356).

The Marketplace Liquidity Supply Pool (351) may be, for example, 15%, and is a reserve to provide transaction liquidity in the KONPAY marketplace. It may temporarily go up or down depending on the trading volume, but the designated 15% value is exchanged between KONPAY and Korean Won. Each can be set to maintain a 50:50 ratio.

The User Compensation Pool (352) may be, for example, 30%, and corresponds to a designated deposit to pay a certain amount of KON to all users who have used transaction and remittance services in KONPAY as compensation for their participation in the platform ecosystem. The point at which all designated deposits are exhausted may vary depending on transaction volume, but is expected to take 3 to 10 years from the start of the service. In order to prevent large quantities from being temporarily distributed to the market due to excessive promotions, the distribution quantity and unlock release will be subject to change. Management can be performed.

The partner deposit (353) may be, for example, 10%, and will be used in future collaborations with various strategic partners to expand the platform's payment network. Partner deposits can be used for airdrop-type promotions to continue projects with future partners or for marketing purposes for business.

The payment deposit 354 may be, for example, 30%, and is a deposit for applying a 5% discount rate when paying with KONCOIN for the expansion of the network, attracting affiliated stores, and discounting fees through blockchain. As a result, in preparation for many payments being made with KON COIN, merchants can set a payment deposit to avoid losses due to the price volatility of KON COIN at the time of settlement and settlement. Therefore, price volatility can be reduced by converting the payment into Korean Won that matches the value of KON COIN at the time the payment is approved, and then selling the KONPAY to users who want to purchase it again. In addition, in the future, participants in charge of settlement at KONPAY can also have their own payment deposits by specifying in their contracts a clause to deposit payment deposits into KONPAY's payment deposit pool. The deposit can be maintained in a 50:50 ratio between KRW and KONPAY corresponding to the existing holdings after settlement in KRW, so that the liquidity of the settlement deposit can be maintained continuously even after settlement.

KONPAY operation and marketing (355) may be 10%, for example, and corresponds to the initial talent recruitment and business operation costs for KONPAY's actual operation and business promotion.

The advisor budget 356 may be, for example, 5% and may be allocated to advisors who provide technical advice and advice for using the blockchain payment system in real life.

The method according to the embodiment may be implemented in the form of program instructions that can be executed through various computer means and recorded on a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, etc., singly or in combination. Program instructions recorded on the medium may be specially designed and configured for the embodiment or may be known and available to those skilled in the art of computer software. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical media such as CD-ROMs and DVDs, and magnetic media such as floptical disks. -Includes optical media (magneto-optical media) and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, etc. Examples of program instructions include machine language code, such as that produced by a compiler, as well as high-level language code that can be executed by a computer using an interpreter, etc. The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the embodiments, and vice versa.

As described above, although the embodiments have been described with limited examples and drawings, various modifications and variations can be made by those skilled in the art from the above description. For example, the described techniques are performed in a different order than the described method, and/or components of the described system, structure, device, circuit, etc. are combined or combined in a different form than the described method, or other components are used. Alternatively, appropriate results may be achieved even if substituted or substituted by an equivalent.

Therefore, other implementations, other embodiments, and equivalents of the claims also fall within the scope of the claims described below.

100: Buyer terminal 200: Seller terminal
300: Service server 400: Blockchain network
301: System memory 302: Operating system
303: processing unit 304: storage
305: input device 306: output device
307: Communication device
310: Blockchain management department 320: Platform linkage department
330: Smart contract management department 340: Payment brokerage management department
350: Distribution management department
341: first currency exchange management module 342: second currency exchange management module
343: Currency exchange discount management module

Claims (12)

As a blockchain-based payment brokerage service system,
at least one buyer terminal;
At least one seller terminal that performs payment in conjunction with the at least one buyer terminal; and
Provides a payment brokerage service in conjunction with the at least one buyer terminal and the at least one seller terminal, and provides a blockchain-based digital pay corresponding to the payment amount of the first payment method paid from the at least one buyer terminal. Allocate and exchange money to at least one buyer terminal, and when the at least one buyer terminal performs payment based on the blockchain-based digital pay, process payment of the blockchain-based digital pay to the at least one seller terminal. and a service server that exchanges the blockchain-based digital pay paid to the at least one seller terminal into a second payment method; Including,
The service server is,
A blockchain management unit that creates, verifies, and disseminates records of the use of the blockchain-based digital pay using blockchain in conjunction with the blockchain network; and
Provides a payment brokerage service in conjunction with the at least one buyer terminal and the at least one seller terminal, and allocates a blockchain-based digital pay corresponding to the payment amount of the first payment method to the at least one buyer terminal. a payment brokerage management unit that exchanges currency and converts the blockchain-based digital pay into a second payment method for the at least one seller terminal; Including,
The payment brokerage management department,
After creating a purchase probability model for each buyer based on the purchase record, the purchase probability trend of the entire digital pay is calculated based on the purchase probability model of all buyers, and the payment settlement record - the payment settlement record records the seller's settlement. A digital pay trend analysis module that generates a payment settlement probability model for each seller based on information and then calculates the payment settlement trend of all digital pay based on the payment settlement probability model of all sellers; and
The value volatility of digital pay is determined based on the purchase probability trend and payment settlement trend of all digital pay analyzed in the digital pay trend analysis module, and information on when to recommend currency exchange is provided to the buyer or seller based on the determined value volatility. Including a currency exchange recommendation module that provides,
Blockchain-based payment brokerage service system.
The method of claim 1, wherein the service server:
As a first payment method for payment with the at least one buyer terminal and a second payment method for payment between the at least one seller terminal, at least one of mobile simple payment, credit card payment, and cash payment is applicable,
The blockchain-based digital pay is based on the user's choice among digital pay provided by the service server itself, as well as existing digital assets including Bitcoin and Ethereum and stable coins with relatively stable volatility. to enable configurability,
Blockchain-based payment brokerage service system.
The method of claim 1, wherein the service server:
0.02% of the blockchain-based digital pay paid by the buyer is received and processed as a payment fee, and the remaining 99.98% is paid to the seller, providing a payment service with a fee that is 20 to 40 times lower than the conventional payment fee. In addition, a blockchain-based payment brokerage service system that provides immediate liquidity of funds to sellers by performing immediate payment settlement.
delete The method of claim 1, wherein the service server:
A smart contract is individually created for at least one seller, and a transaction history management function including sales information, profit information, expected refund amount information, and credit processing amount information for each seller based on the smart contract, respectively. A smart contract management unit that supports promotion settings that allow sellers to individually set up coupon provision, gift certificate issuance, and installment services;
Containing more,
Blockchain-based payment brokerage service system.
The method of claim 1, wherein the payment brokerage management unit,
When performing currency exchange for the at least one buyer terminal and the at least one seller terminal, regardless of whether a change in the intrinsic value of the digital pay for the first payment method and the second payment method occurs, a certain amount is set. Applying a set discount rate,
Blockchain-based payment brokerage service system.
A method of providing a blockchain-based payment service performed on a service server that provides a blockchain-based payment brokerage service in conjunction with at least one buyer terminal and at least one seller terminal that performs payment in conjunction with the at least one buyer terminal. As,
Allocating and exchanging blockchain-based digital pay corresponding to the payment amount of the first payment method paid from the at least one purchaser terminal to the at least one purchaser terminal;
In conjunction with the at least one buyer terminal and the at least one seller terminal, when the buyer terminal performs a payment based on the blockchain-based digital pay, the at least one seller terminal is provided with the blockchain-based digital pay. Processing payments to provide payment brokerage services; and
Converting the blockchain-based digital pay paid to the at least one seller terminal into a second payment method; Including,
The step of providing the payment brokerage service is,
Creating a purchase probability model for each buyer based on purchase records and then calculating the purchase probability trend of all digital pay based on the purchase probability model for all buyers;
After creating a payment settlement probability model for each seller based on the payment settlement record - the payment settlement record is information recording the seller's settlement - the payment settlement trend of all digital pay is based on the payment settlement probability model of all sellers. calculating; and
Determining the value volatility of digital pay based on the purchase probability trend and payment settlement trend of all digital pay, and providing information about the time of currency exchange recommendation to the buyer or seller based on the determined value volatility; including;
A method of providing blockchain-based payment services.
The method of claim 7, wherein the blockchain-based payment service provision method is:
Creating a smart contract individually for each of the at least one seller terminal, and supporting transaction history management and promotion settings for each seller based on the smart contract;
Containing more,
A method of providing blockchain-based payment services.
The method of claim 7, wherein the blockchain-based payment service provision method is:
When performing currency exchange for the at least one buyer terminal and the at least one seller terminal, regardless of whether a change in the intrinsic value of the digital pay for the first payment method and the second payment method occurs, a certain amount is set. Applying a set discount rate;
Containing more,
A method of providing blockchain-based payment services.
In clause 7,
The first payment method and the second payment method are different currency methods,
The first payment method is a non-blockchain-based digital pay,
The second payment method is Korean Won, the domestic currency,
A method of providing blockchain-based payment services.
According to clause 8,
As the blockchain-based digital pay,
It can be set according to the user's choice among not only digital pay provided by the company, but also existing digital assets including Bitcoin and Ethereum, as well as stable coins with relatively stable volatility.
A method of providing blockchain-based payment services.
A storage medium storing computer-readable instructions,
The instructions, when executed by a computing device, cause the computing device to:
An operation of allocating and exchanging blockchain-based digital pay corresponding to the payment amount of the first payment method paid from at least one purchaser terminal to the at least one purchaser terminal;
In conjunction with the at least one buyer terminal and the at least one seller terminal, when the buyer terminal performs a payment based on the blockchain-based digital pay, the at least one seller terminal is provided with the blockchain-based digital pay. Processing payments to provide payment brokerage services;
An operation of exchanging the blockchain-based digital pay paid to the at least one seller terminal into a second payment method; and
When performing currency exchange for the at least one buyer terminal and the at least one seller terminal, regardless of whether a change in the intrinsic value of the digital pay for the first payment method and the second payment method occurs, a certain amount is set. An operation of applying a set discount rate; Let's do it
The operation of providing the payment brokerage service is:
An operation of generating a purchase probability model for each buyer based on purchase records and then calculating a purchase probability trend of all digital pay based on the purchase probability model of all buyers;
After creating a payment settlement probability model for each seller based on the payment settlement record - the payment settlement record is information recording the seller's settlement - the payment settlement trend of all digital pay is based on the payment settlement probability model of all sellers. The operation of calculating; and
An operation of determining the value volatility of digital pay based on the purchase probability trend and payment settlement trend of all digital pay, and providing information about the time of currency exchange recommendation to the buyer or seller based on the determined value volatility; Including,
storage media.