KR20170056332A - System for paying offline using bitcoin and method thereof - Google Patents

System for paying offline using bitcoin and method thereof Download PDF

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Publication number
KR20170056332A
KR20170056332A KR1020150159881A KR20150159881A KR20170056332A KR 20170056332 A KR20170056332 A KR 20170056332A KR 1020150159881 A KR1020150159881 A KR 1020150159881A KR 20150159881 A KR20150159881 A KR 20150159881A KR 20170056332 A KR20170056332 A KR 20170056332A
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KR
South Korea
Prior art keywords
bit coin
seller
buyer
authentication
payment
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KR1020150159881A
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Korean (ko)
Inventor
이정륜
홍성주
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이정륜
홍성주
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Priority to KR1020150159881A priority Critical patent/KR20170056332A/en
Publication of KR20170056332A publication Critical patent/KR20170056332A/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • G06Q20/06Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/06Buying, selling or leasing transactions

Abstract

The present invention relates to an offline payment settlement system using bitcoin comprising: a seller application which is installed in a seller terminal and transmits a sellers bitcoin address and transaction information to a purchaser terminal; a purchaser application which is installed in the purchaser terminal and transmits a purchasers bitcoin address to the seller terminal; and an authentication/payment approval server which performs payment authentication for an offline commercial transaction between the purchaser and the seller on the seller application and the purchaser application. The seller application transmits the sellers bitcoin address, the transaction information, and the purchasers bitcoin address, received from the purchaser application, to the authentication/payment approval server. The purchaser application transmits the purchasers bitcoin address, and the sellers bitcoin address and the transaction information, received from the seller application, to the authentication/payment approval server. The authentication/payment approval server compares the sellers bitcoin address, the transaction information, and the purchasers bitcoin address, received from the seller application, to the sellers bitcoin address, the transaction information, and the purchasers bitcoin address, received from the purchaser application, determines whether payment authentication should be performed or not, and performs the payment authentication.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an offline payment system and a method thereof,

BACKGROUND OF THE INVENTION 1. Field of the Invention [0002] The present invention relates to an offline payment system and method using bit coin, and more particularly, to an offline payment system using bit coin and a method thereof.

In recent years, virtual coins utilizing the Internet have appeared and are used for inter-personal remittance services.

The bit coin of the virtual coin is used as currency in electronic commerce such as the Internet as it is recognized as a currency in countries such as the UK, Germany, and the United States, and is used as payment means such as cash or credit card in offline commerce. Is increasing.

Distributed electronic transmission systems, such as bit coins that are used in currency, are created to eliminate the need to have a central organism to check and validate each transmission and to avoid costly consumption thereof.

Central electronic transmission systems rely on a combination of identification and authentication for the central organization of the user to authenticate transmission requests made by the user at the time of commerce.

Distributed electronic transmission systems, on the other hand, rely on a combination of identification and disclosure to authenticate a transfer request by a user upon commerce. By doing so, the public can see all the transmissions they publish and check their accuracy.

Accordingly, the payment settlement system using the bit coin is subjected to 6-step authentication at the time of commercial transaction. This certification is made by the computer of the bit coin user, not by the credit card company, the bank, or the payment agency.

That is, the payment system using the bit coin is peer-to-peer (P2P) and is distributed among the users' computers. The Vicco account is called a wallet. This wallet is made using a separate program or website. When you create a wallet, a pair of encryption keys is created on the Internet. One of the keys is a private key that can be identified only by the user. One of the remaining cryptographic keys is a cryptographic key that is open to everyone using bit coins. For example, if a bit coin user signs an electronic signature with a private encryption key to buy something, then other users who use the bit coin can authenticate that the person who signed the electronic signature is the owner of the encryption key through the public encryption key . Such a digital signing and authentication process is a system in which transactions are repeatedly repeated. At this time, 6-step authentication is performed.

However, since the payment system using bit coin requires 6-step authentication at the time of commercial transaction, the distributed network participating in the bit coin transfer authentication at the time of the bit coin transfer between P2P authenticates the transaction, and records the transfer process as 'block chain' , It is difficult to use it as a payment method due to a delay in an offline commercial transaction in which a transaction takes place within about one minute.

KR 2014-0137411 A

It is an object of the present invention to provide an offline payment settlement system using a bit coin in which an offline commerce using a bit coin can quickly perform a settlement service without delaying transactions and a method thereof.

An offline payment system using bit coins according to an aspect of the present invention is an offline payment system using a bit coin. The offline payment system comprises a seller application installed in a seller terminal and transmitting a bit coin address and transaction information of a seller to a buyer terminal, A buyer application installed in the buyer terminal for sending a bit coin address of a buyer to the seller terminal and an authentication / payment approval server for authenticating payment for offline commerce between the buyer and the seller in each of the seller application and the buyer application .

In addition, the seller application transmits to the authentication / settlement approval server a bit coin address of the seller, the transaction information, and a bit coin address of the buyer received from the buyer application.

Further, the buyer application transmits the bit coin address of the buyer, the bit coin address of the seller received from the seller application, and the transaction information to the authentication / payment approval server.

The authentication / payment approval server may further include a bit coin address of the seller received from the merchant application, a bit coin address of the transaction information and the buyer, a bit coin address of the seller received from the buyer application, And compares the bit coin addresses of the buyer with each other to determine whether or not payment authentication is performed, and confirms payment authentication.

The authentication / settlement approval server transmits a settlement approval for the offline commerce between the buyer and the seller to each of the seller application and the buyer application when it is determined that the settlement authentication is performed.

In addition, the authentication / settlement approval unit transmits a settlement approval for the offline commerce transaction to each of the seller application and the buyer application prior to the distributed network unit in which the bit coin authentication process proceeds from the other bit coin user computers.

Further, the buyer application and the seller application are connected through short-range wireless communication.

Also, the transaction information uses a bit coin including a transaction number, a transaction item, a transaction amount, and a transaction amount.

Also, the purchaser terminal may be a portable device such as a smart phone having a function of using a payment service provided through the authentication / payment approval server and a bit coin settlement function, a PDA having a wireless LAN card, .

Also, the seller terminal uses a bit coin, which is an Internet access terminal having a function of using a payment service provided through the authentication / payment approval server and a bit coin settlement function.

The offline payment method using the bit coin of the present invention is a method for offline payment using bit coin, comprising the steps of: a seller application installed in a seller terminal transmits a bit coin address and transaction information of a seller to a buyer terminal; A step in which the buyer application installed in the purchaser terminal transmits a bit coin address of the purchaser to the seller terminal; and a step of transmitting the bit coin address of the buyer to the authentication / payment approval server for performing the payment authentication for the offline commerce between the buyer and the seller Sending a bit coin address of the seller, the transaction information, and a bit coin address of the buyer received from the buyer application; and sending the bit coin address of the buyer, the bit coin address of the buyer, Payment acceptance server transmits the bit coin address of the seller and the bit coin address of the buyer received from the seller application to the authentication / And comparing the bit coin address of the seller received from the buyer application, the transaction information, and the bit coin address of the buyer with each other to determine whether or not payment authentication is performed, and performing payment authentication.

In addition, when the payment authentication is determined to be the payment authentication, the authentication / payment approval server notifies the merchant application and the buyer application of the offline payment between the buyer and the seller, Transmit payment authorization for commerce.

In addition, the step of transmitting the payment approval transmits, to each of the seller application and the buyer application, a payment approval for the offline commerce transaction before the distributed network part in which the bit coin authentication procedure is performed from the computers of other bit coin users .

An off-line payment settlement system using bit coins according to another aspect of the present invention is an off-line payment settlement system using bit coins, the system comprising: a buyer application installed in a buyer terminal and having a code corresponding to a bit coin address of a buyer; A seller application for sending the bit coin address and transaction information of the seller to the buyer terminal, a seller application for obtaining the code from the buyer terminal, and a seller application for obtaining the code for each of the seller application and the buyer application, And an authentication / payment approval server for authenticating payment.

Further, the seller application transmits the bit coin address of the seller, the transaction information, and the acquired code to the authentication / settlement approval server.

Further, the buyer application transmits the bit coin address of the seller and the transaction information received from the seller application to the authentication / payment approval server.

The authentication / settlement approval server includes a bit coin purse management module for extracting a bit coin address of a buyer from the code received from the seller application and managing a bit coin purse of the buyer.

The authentication / payment approval server may further include a bit coin address of the seller received from the seller application, the transaction information and a bit coin address of the extracted buyer, a bit coin address of the seller received from the buyer application, The transaction information and the bit coin address of the buyer of the bit coin purse management module are compared with each other to judge whether or not payment authentication is performed, and to perform payment authentication.

In the offline payment settlement method using the beat coin of another aspect of the present invention, in the offline payment settlement method using the bit coin, the seller application installed in the seller terminal transmits the bit coin address and transaction information of the seller to the buyer terminal Acquiring a code corresponding to a bit coin address of a buyer from the buyer terminal; and transmitting, to an authentication / payment approval server for performing settlement authentication for offline commerce between the buyer and the seller, Sending the bit coin address, the transaction information, and the acquired code; sending the bit coin address and transaction information of the seller received from the merchant application to the authentication / payment approval server; The phosphorus / A bit coin purse management module included in the payment approval server and managing the bit coin purse of the buyer extracts a bit coin address of the buyer from the code received from the seller application and the authentication / The bit coin address of the seller received from the application, the transaction information and the bit coin address of the extracted buyer, the bit coin address of the seller received from the buyer application and the transaction information and the buyer of the bit coin wallet management module And comparing the bit coin address of each of the bit coin addresses with each other to determine whether or not the payment is authorized.

In the offline payment settlement method using bit coin according to another aspect of the present invention, in the offline payment settlement method using bit coin, the seller application installed in the seller terminal obtains a code corresponding to the bit coin address of the buyer from the buyer terminal Settlement approval server for performing settlement authentication for offline commerce between the seller and the purchaser, wherein the merchant application sends a bit coin address, transaction information, and / or transaction information of the seller to the authentication / A bit coin wallet management module included in the authentication / payment approval server and managing the bit coin purse of the purchaser extracts a bit coin address of the buyer from the code received from the seller terminal; And requests the buyer to approve the transaction A step of transmitting transaction approval request information including the transaction information to a buyer application installed in the buyer terminal in order to request the buyer application to confirm approval of the transaction, Payment approval request information including transaction approval information confirming the payment approval request information to the authentication / payment approval server, and the authentication / payment approval server receives the payment approval request information from the buyer terminal to perform payment authentication, And transmitting a settlement approval for the offline commerce transaction to each of the purchaser applications requested by the buyer terminal for payment approval.

In addition, the step of transmitting the payment approval transmits, to each of the seller application and the buyer application, a payment approval for the offline commerce transaction before the distributed network part in which the bit coin authentication procedure is performed from the computers of other bit coin users .

The present invention includes an authentication / payment approval server, which is an authentication system other than an authentication procedure of the bit coin itself, performed in the distributed network unit in the offline commerce using the bit coin between the buyer and the seller, Since the authentication / payment approval server transmits the payment approval before the payment approval is transmitted, the payment service can be performed quickly without the transaction delay occurring due to the authentication process of the bit coin itself, so that the bit coin Commerce has an effect that can be achieved.

1 is a configuration diagram of an offline payment settlement system using bit coin according to the first embodiment.
2 is a flowchart illustrating an offline payment settlement method using bit coin according to the first embodiment.
3 is a configuration diagram of an offline payment settlement system using bit coin according to the second embodiment.
4 is a flowchart illustrating an offline payment settlement method using bit coin according to the second embodiment.
5 is a flowchart illustrating an offline payment settlement method using bit coin according to the third embodiment.

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

Embodiments of the present invention are provided to more fully describe the present invention to those skilled in the art, and the following embodiments may be modified in various other forms, The present invention is not limited to the following embodiments. Rather, these embodiments are provided so that this disclosure will be more thorough and complete, and will fully convey the concept of the invention to those skilled in the art.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. As used herein, the singular forms "a", "an," and "the" include plural forms unless the context clearly dictates otherwise. Also, " comprise "and / or" comprising "when used herein should be interpreted as specifying the presence of stated shapes, numbers, steps, operations, elements, elements, and / And does not preclude the presence or addition of one or more other features, integers, operations, elements, elements, and / or groups. As used herein, the term "and / or" includes any and all combinations of one or more of the listed items.

Although the terms first, second, etc. are used herein to describe various elements, regions and / or regions, it should be understood that these elements, components, regions, layers and / Do. These terms do not imply any particular order, top, bottom, or top row, and are used only to distinguish one member, region, or region from another member, region, or region. Thus, the first member, region or region described below may refer to a second member, region or region without departing from the teachings of the present invention.

Hereinafter, embodiments of the present invention will be described with reference to the drawings schematically showing embodiments of the present invention. In the figures, for example, variations in the shape shown may be expected, depending on manufacturing techniques and / or tolerances. Accordingly, embodiments of the present invention should not be construed as limited to any particular shape of the regions illustrated herein, including, for example, variations in shape resulting from manufacturing.

First Embodiment

1 is a configuration diagram of an offline payment settlement system using bit coin according to the first embodiment.

As shown in FIG. 1, the offline payment system using the bit coin according to the first embodiment includes a buyer application installed in the purchaser terminal 10, a seller application installed in the seller terminal 30, and an authentication / (50).

The purchaser terminal 10 is a mobility buyer terminal that has a function of bit coin settlement and is a smart phone used by a purchaser who purchases a product using a payment service provided through the authentication / Such as a personal digital assistant (PDA), a notebook computer, and the like.

The purchaser application installed in the purchaser terminal 10 substantially controls the purchaser terminal 10 such as executing various functions provided by the purchaser terminal 10 so that the operations of the purchaser terminal 10 described in this specification are performed by the buyer terminal 10, And the operation of the buyer application can also be understood as the operation of the buyer terminal 10. [

The seller terminal 30 may include a portable device such as a mobile smart phone, a PDA with a wireless LAN card, a notebook computer, or the like, or may include an Internet access terminal such as a PC. The seller terminal 30 has a bit coin settlement function, And is a terminal used by a seller who sells a product using a payment service provided through the approval server 50. [

Since the seller application installed in the seller terminal 30 substantially controls the seller terminal 30 such as executing various functions provided by the seller terminal 30, the operations of the seller terminal 30 described herein can be performed by the seller And the operation of the seller application can also be understood as the operation of the seller terminal 30. [

The buyer terminal 10 is connected to the seller terminal 30 and the authentication / settlement approval server 50 in the offline commerce using the bit coin between the buyer and the seller, respectively, and the bit coin authentication procedure is performed from the computers of the other bit coin users And is also connected to the distributed network unit 70 that participates in the bit coin transfer authentication so as to become the 'block chain' type of the remittance processing record by authenticating the corresponding offline commerce transaction.

That is, the purchaser terminal 10 can be connected to the seller terminal 30 through short-range wireless communication such as near field communication (NFC) or bluetooth. And may be connected to the authentication / settlement approval server 50 and the distributed network unit 70 via the network 100. [

As described above, the purchaser terminal 10 and the seller terminal 30 can be connected through short-range wireless communication such as NFC and Bluetooth. Accordingly, in the offline payment system using the bit coin according to the first embodiment, in the offline commerce using the bit coin between the buyer and the seller, the buyer terminal 10 and the seller terminal 30 ) Are connected to each other, an error such as an address input error or an input of an amount, which is generated when the buyer terminal 10 and the seller terminal 30 are connected to each other through the input method of directly inputting the bit coin address, And it is possible to prevent the time required for address input from becoming long.

The buyer terminal 10 sends the bit coin address of the buyer to the seller terminal 30 and transmits the payment approval request information for the off-line commerce including the bit coin address of the buyer, the bit coin address of the seller, / Payment approval server 50. [ Then, the buyer terminal 10 can transmit the transfer details of the bit coin to the distributed network unit 70 for offline commerce. The purchaser can confirm the amount of the coin balance stored in the DB module 53 of the authentication / settlement approval server 50, transaction history, and the like through the purchaser application.

Here, in the offline payment using the bit coin, the buyer terminal 10, when receiving the payment approval approval information from the distribution network unit 70, The amount of the bit coin balance of the purchaser can be displayed through the purchaser application. When the amount of the bit coin balance of the changed purchaser is equal to the amount of the bit coin balance of the purchaser stored in the DB module 53 of the authentication / settlement approval server 50 described later, The amount of the bit coin balance of the buyer stored in the DB module 53 separately from the amount of the bit coin balance of the changed buyer is displayed through the buyer application, that is, the bit coin balance amount of the changed buyer, The amount of the coin balance can be doubly displayed. Also, the seller terminal 30 can display the bit coin balance amount of the seller changed according to the payment approval of the received distribution network unit 70 through the seller application, and the bit coin balance amount of the changed seller and the DB The amount of the bit coin balance of the changed seller and the amount of the bit coin balance of the seller stored in the DB module 53 may be doubly displayed when the amount of the bit coin balance of the seller stored in the module 53 is equal to each other.

The seller terminal 30 is connected to the buyer terminal 10 and the authentication / settlement approval server 50 at the time of offline commerce using the bit coin between the buyer and the seller. In other words, the seller terminal 30 can be connected to the purchaser terminal 10 through short-range wireless communication such as NFC and Bluetooth. And may be connected to the authentication / payment approval server 50 through the network 100. [

The seller terminal 30 can transmit the bit coin address of the seller and the transaction information corresponding to the offline commerce between the buyer and the seller to the buyer terminal 10, and includes the bit coin address of the seller, the bit coin address of the buyer, Settlement approval server 50 to the authentication / settlement approval server 50. The authentication / Then, the seller can check the amount of the coin balance, the transaction history, etc. stored in the DB module 53 through the seller application and receive the bit coin approval details sent from the distribution network unit 70.

Here, the transaction information includes a transaction number, a transaction item, a transaction quantity, and a transaction amount. Accordingly, in the offline payment system using the bit coin according to the first embodiment, in the offline commerce using the bit coin between the buyer and the seller, the transaction information corresponding to the commerce is inputted. Therefore, And POS (point of sale) supplementary functions supported by cash settlement can be supported in a bit coin settlement environment, thereby enhancing utilization in offline commerce using bit coin, and positively affecting expansion of an affiliate store accepting bit coin as a payment means .

The authentication / settlement approval server 50 is a separate authentication system other than the bit coin authentication procedure itself performed in the distributed network unit 70 at the time of off-line commerce using the bit coin between the buyer and the seller, and includes a control module 51 and a DB module (50) to the buyer terminal (10) and the seller terminal (30) before the settlement approval of the distribution network (70) is transmitted to the buyer and the seller including the buyer terminal (53).

That is, the authentication / settlement approval server 50 authenticates the corresponding offline commerce by proceeding with the bit coin authentication process from the computers of the other bit coin users when the offline commerce using the bit coin between the buyer and the seller is performed, Block chain "form, the distribution network unit 70 transmits a payment approval to the buyer terminal 10 and the seller terminal 30 before transferring the settlement approval to each of the buyer terminal 10 and the seller terminal 30, (30).

Accordingly, in the offline payment system using the bit coin according to the first embodiment, before the payment approval is transmitted from the distribution network unit 70 to each of the buyer terminal 10 and the seller terminal 30, The customer terminal 10 and the seller terminal 30 receive a settlement approval from the distribution network 70 after becoming the 'block chain' type with the corresponding offline commerce authentication because the payment server 50 transmits the settlement approval for the offline commerce transaction. It is possible to perform the payment service quickly without delaying the transaction generated by the transmission of the bit-coin, so that the offline commerce using the bit coin can be performed quickly.

The control module 51 determines whether or not the bit coin addresses of the sellers received from the buyer terminal 10 and the seller terminal 30 match each other and whether or not the bit information of the buyer matches the bit coin addresses of the buyer Whether or not to approve the payment of the bit coin is determined by whether or not.

Further, the control module 51 controls the DB module 53 to store the fluctuation of the bit coin balance amount of each of the buyer and the seller by the bit coin settlement approval.

When the payment approval reception information of the distribution network unit 70 is received from each of the buyer terminal 10 and the seller terminal 30 according to the payment approval of the received distribution network unit 70, Is paid to the seller to control the DB module 53 so as to store the fluctuated bit coin balance amount of each of the buyer and the seller. In other words, the authentication / settlement approval server 50 synchronizes with each of the buyer terminal 10 and the seller terminal 30 and obtains a bit coin which is equal to the fluctuated bit coin balance amount of each of the buyer and the seller via each of the buyer and seller applications And the balance amount is stored in the DB module 53.

Here, although not shown, the control module 51 can control a display or the like so as to be able to display the amount of the bit coin balance of the buyer and the seller stored in the DB module 53. [

The DB module 53 receives the control of the control module 51 and stores the amount of the bit coin balance of the buyer and the seller who are members in the authentication / settlement approval server 50 and the like.

Next, an offline payment settlement method using the bit coin according to the first embodiment will be described.

2 is a flowchart illustrating an offline payment settlement method using bit coin according to the first embodiment.

As shown in FIG. 2, when a purchase decision is made for a predetermined article purchase, etc., in a direct sales transaction offline between a buyer and a seller, the seller first transmits a transaction number, a transaction item, And the transaction amount.

Thereafter, the seller terminal 30 transmits the transaction information and the bit coin address of the seller to the buyer terminal 10 used by the buyer through short-range wireless communication such as NFC or Bluetooth to request payment for the offline commerce (S101).

Thereafter, the purchaser confirms the transaction information received through the purchaser terminal 10, and the purchaser terminal 10 transmits the bit coin address of the purchaser to the seller terminal 30 through short-range wireless communication such as NFC, Bluetooth, (S103).

Then, the seller terminal 30 transmits the bit coin address of the seller, the transaction information, and the bit coin address of the buyer to the authentication / payment approval server 50 to which the seller has subscribed, (S105).

Then, the buyer terminal 10 transmits the bit coin address of the seller, the transaction information, and the bit coin address of the buyer to the authentication / payment approval server 50 to which the purchaser has subscribed, to approve payment for the offline commerce (S106).

Further, the purchaser terminal 10 transmits the bit coin transfer details to the distribution network unit 70 (S107). Here, the buyer terminal 10 may transmit the bit coin transfer details to the distribution network unit 70 and then request the approval / settlement approval server 50 to approve payment for the offline commerce transaction.

Subsequently, the authentication / payment approval server 50 determines whether or not the bit coin addresses of the sellers received from the buyer terminal 10 and the seller terminal 30 match each other, whether the trade information is matched with each other, Decides whether or not to approve the bit coin settlement according to the coincidence between the bit coin addresses and transmits the settlement approval of the authentication / settlement approval server 50 to the seller terminal 30 (S109) Payment approval server 50 for the off-line commercial transaction to the server 10 (S110).

Then, the authentication / payment approval server 50 stores the variable bit coin balance amount of each of the buyer and the seller by the payment approval in the DB module 53 (S111).

Thereafter, the distribution network unit 70 authenticates the bit coin transfer details of the buyer by issuing a bit-coin authentication procedure from the computers of the other bit coin users, announces the transfer process record in the form of 'block chain' And transmits the settlement approval of the distribution network unit 70 for the offline commerce transaction to the seller terminal 30 (S113). At this time, the seller terminal 30 receives a bit coin from the buyer based on the payment approval of the distribution network unit 70 from the distribution network unit 70, and receives the bit coin balance amount of the changed bit coin purse and the bit amount The coin balance amount is synchronized.

In addition, the distribution network unit 70 transmits the settlement approval of the distributed network unit 70 to the buyer terminal 10 (S114). At this time, the purchaser terminal 10 pays the bit coin to the seller based on the payment approval of the distribution network unit 70 from the distribution network unit 70, and calculates the bit coin balance amount of the changed bit coin purse and the bit The coin balance amount is synchronized.

Next, the authentication / settlement approval server 50 synchronizes with each of the buyer terminal 10 and the seller terminal 30 and obtains the amount of fluctuated bit coin balance of each buyer and seller by the payment approval stored in the DB module 53 S111) and the distribution network unit 70 to make the amount of fluctuated bit coin balance of the bit coin purse of each of the buyer and the seller the same, and then the amount of the bit coin balance of each of the same buyer and seller is stored in the DB And stores it in the module 53 (S115).

Here, the seller receives the settlement approval of the distribution network unit 70, and after the payment for the offline commerce transaction is received, the seller stores the bit coin balance amount and the transaction history of the bit coin purse in synchronization with the distribution network unit 70 Can be confirmed through the seller terminal (30). The buyer receives the settlement approval of the distribution network unit 70 and receives the payment amount of the bit coin balance of the coin purse and the transaction history synchronized with the distribution network unit 70 Can be confirmed through the purchaser terminal (10).

Second Embodiment

3 is a configuration diagram of an offline payment settlement system using bit coin according to the second embodiment.

Next, a second embodiment of the offline payment system using the bit coin of the present invention will be described with reference to FIG. Here, unlike the first embodiment in which the buyer terminal 10 manages the bit coin wallet management of the buyer through the buyer application, the offline payment system using the bit coin according to the second embodiment performs authentication / And is managed by the server 50. At this time, the authentication / payment approval server 50 manages the bit coin purse of the purchaser, so that the purchaser can use the multi wallet, and the bit coin prepaid card such as the prepaid card can also be used.

In explaining the second embodiment, description of the same constitution as that of the first embodiment will be omitted.

The offline payment system using the bit coin according to the second embodiment includes a buyer application installed in the buyer terminal 10, a seller application installed in the seller terminal 30, and an authentication / payment approval server 50.

The buyer terminal 10 is installed with a buyer application having a code corresponding to the buyer's bit coin address. Here, the code is generated from the bit coin purse management module 55 of the authentication / payment approval server 50 to be described later. The code is a bar code associated with information related to the bit coin purse such as a bit coin address of the purchaser, A quick response code, or the like.

The buyer terminal 10 is connected to the seller terminal 30 and the authentication / settlement approval server 50 when offline commerce is performed using bit coins between the buyer and the seller. At this time, the purchaser terminal 10 is not connected to the distribution network unit 70 through the network 100, and the distribution network unit 70 is connected to the authentication / payment approval server 50. [

The buyer terminal 10 may transmit to the authentication / payment approval server 50 payment approval request information for offline commerce including the bit coin address of the seller and the transaction information.

The seller terminal 30 can transmit the bit coin address of the seller and the transaction information corresponding to the off-line commerce between the buyer and the seller to the buyer terminal 10, and the bit coin address of the seller, the transaction information, And transmits the payment approval request information for the offline commerce including the acquired code to the authentication / payment approval server 50.

The authentication / settlement approval server 50 is a separate authentication system other than the bit coin authentication procedure itself performed in the distributed network unit 70 at the time of offline commerce using the bit coin between the buyer and the seller. The authentication / payment approval server 50 includes a control module 51, The merchant terminal 30 and the bit-coin purse management module 55. In this case, the merchant terminal 30 and the bit-coin purse management module 55 may receive the settlement approval for the offline commerce before the payment approval of the distribution network 70 is transmitted to the seller Lt; / RTI >

That is, the authentication / settlement approval server 50 authenticates the corresponding offline commerce by proceeding with the bit coin authentication process from the computers of the other bit coin users when the offline commerce using the bit coin between the buyer and the seller is performed, Block chain "form and then transmits settlement approval for the offline commerce transaction to each of the buyer terminal 10 and the seller terminal 30 before receiving the settlement approval from the distribution network unit 70. [

Accordingly, in the offline payment system using the bit coin according to the second embodiment, the authentication / payment approval server 50 transmits the payment approval to the authentication / payment approval server 50 before the payment approval is transmitted from the distribution network unit 70 Since the payment approval for the offline commerce is transmitted, it becomes a 'block chain' type by the corresponding offline commerce authentication, and the settlement service can be performed quickly without a transaction delay phenomenon generated by payment approval from the distribution network 70, Offline commerce can be done quickly.

The bit coin purse management module 55 manages the buyer's multi-coin purse, such as generating a bar code or QR code associated with information related to the bit coin wallet, such as the buyer's bit coin address, , And extracts the buyer's bit coin address from the code received from the merchant application.

The control module 51 determines whether or not the bit coin addresses of the sellers received from the buyer terminal 10 and the seller terminal 30 are matched with each other, And the bit coin address of the purchaser of the bit coin purse management module 55. [

Further, the control module 51 controls the DB module 53 to store the fluctuation of the bit coin balance amount of each of the buyer and the seller by the bit coin settlement approval.

When the payment approval acknowledgment information is received from the distribution network unit 70, the control module 51 transmits the bit coin of the buyer to the seller in accordance with the payment approval of the received distribution network unit 70, And controls the DB module 53 to store the bit coin balance amount equal to the bit coin balance amount of the changed bit coin purse.

Next, an offline payment settlement method using the bit coin according to the second embodiment will be described.

4 is a flowchart illustrating an offline payment settlement method using bit coin according to the second embodiment.

As shown in FIG. 4, when a purchase decision for a predetermined article purchase, etc. is made in a direct sales transaction in the off-line between a buyer and a seller, the seller firstly transmits a transaction number, a transaction item, And the transaction amount.

Thereafter, the seller terminal 30 transmits the transaction information and the bit coin address of the seller to the buyer terminal 10 used by the buyer through short-range wireless communication such as NFC or Bluetooth to request payment for the offline commerce (S301).

Thereafter, the purchaser confirms the transaction information received through the purchaser terminal 10. [ Then, the seller terminal 30 obtains a code corresponding to the bit coin address of the purchaser from the buyer terminal 10 (S303).

Then, the seller terminal 30 transmits the bit coin address of the seller, the transaction information, and the acquired code to the authentication / payment approval server 50 to which the seller has subscribed, to approve payment for the offline commerce transaction (S305).

Then, the buyer terminal 10 transmits the bit coin address and the transaction information of the seller to the authentication / payment approval server 50, which the buyer has subscribed to, and requests payment approval for the offline commerce transaction (S306).

Subsequently, the bit coin purse management module 55 of the authentication / settlement approval server 50 extracts the bit coin address of the buyer from the code received from the seller terminal 30.

Thereafter, the authentication / settlement approval server 50 determines whether or not the bit coin addresses of the sellers received from the buyer terminal 10 and the seller terminal 30 match each other, whether the transaction information is matched with each other, Coincidence between the bit coin address of the purchaser and the bit coin address of the purchaser of the bit coin wallet management module 55 and transmits the bit coin transfer details to the distribution network unit 70 (S307 )do.

Then, the authentication / settlement approval server 50 transmits the settlement approval of the authentication / settlement approval server 50 to the seller terminal 30 (S309), and the buyer terminal 10 transmits the settlement approval to the offline commerce And transmits a payment approval of the authentication / payment approval server 50 (S310). Here, the authentication / settlement approval server 50 transmits a settlement approval of the authentication / settlement approval server 50 to the seller terminal 30 and the buyer terminal 10, And send the bit coin transfer history to the terminal.

Then, the authentication / payment approval server 50 stores the variable bit coin balance amount of each of the buyer and the seller by the payment approval in the DB module 53 (S311).

Thereafter, the distribution network unit 70 authenticates the bit coin transfer details of the buyer by issuing a bit-coin authentication procedure from the computers of the other bit coin users, announces the transfer process record in the form of 'block chain' And transmits a settlement approval of the distributed network unit 70 to the authentication / settlement approval server 50 (S313).

Then, the authentication / settlement approval server 50 transmits the seller's changed bit coin balance amount S311 according to the payment approval stored in the DB module 53 and the bit coin of the buyer according to the payment approval of the received distribution network unit 70 To the seller, the amount of the bit coin balance of each of the bit coin purse of the changed purchaser and the bit coin purse of the seller is made the same, and the same amount of the bit coin balance amount is paid to the DB module 53 (S315).

Here, the seller makes payment for the off-line commerce in which the bit coin of the buyer is paid to the seller in accordance with the settlement approval of the distribution network unit 70, and stores the bit coin balance amount and transaction history of the changed bit coin purse of the seller in the seller It can be confirmed through the seller terminal 30 synchronized with the authentication / payment approval server 50 when the application is running. Then, the buyer makes payment for the off-line commerce, in which the bit coin of the buyer is paid to the seller in accordance with the settlement approval of the distribution network unit 70, and stores the bit coin balance amount and transaction history of the changed buyer's bit coin purse in the buyer application And can be confirmed through the purchaser terminal 10 synchronized with the authentication / settlement approval server 50 during operation.

Third Embodiment

Next, an offline payment settlement method using the bit coin according to the third embodiment, which is a modified embodiment of the offline payment settlement method using the bit coin according to the second embodiment, will be described.

In describing the third embodiment of the present invention, the third embodiment includes a buyer application installed in the purchaser terminal 10, a seller application installed in the seller terminal 30, and an authentication / payment approval server 50 , The authentication / payment approval server 50 includes the control module 51, the DB module 53, and the bit coin purse management module 55, Description of the same configuration as that of the second embodiment will be omitted in a configuration in which payment approval is transmitted to each of the buyer terminal 10 and the seller terminal 30 for commercial transactions.

5 is a flowchart illustrating an offline payment settlement method using bit coin according to the third embodiment.

As shown in FIG. 5, when a purchase decision is made for a predetermined article purchase, etc., in a direct sales transaction in the off-line between the buyer and the seller, the seller firstly receives the buyer's terminal 10 through the seller terminal 30 A code corresponding to the bit coin address is obtained (S501). One of the methods by which the seller acquires the code is to upgrade the software of the POS supported by the existing credit card or the cash settlement such as transaction history settlement and receive the code.

The seller inputs transaction information including a transaction number, a transaction item, a transaction amount, and a transaction amount through the seller terminal 30. Then, the seller terminal 30 transmits the code corresponding to the buyer's bit coin address, the transaction information, and the bit coin address of the seller to the authentication / settlement approval server 50 via the Internet network, the mobile communication network, And requests approval of settlement of offline commerce (S503). Here, another one of the data transmission methods for the seller to request payment approval for the off-line commercial transaction is that the authentication / payment approval server 50 is interlocked with the payment system supported by the existing credit card or cash settlement, To the authentication / settlement approval server 50 via the Internet.

Thereafter, the bit coin purse management module 55 of the authentication / settlement approval server 50 extracts the bit coin address of the buyer from the code received from the seller terminal 30. The authentication / settlement approval server 50 transmits the transaction approval request information, such as the transaction information received from the seller terminal 30, to the buyer terminal 10 via the Internet network, the mobile communication network, (S505). Here, the authentication / payment approval server 50 may transmit the transaction approval request information using a text message or the like.

Then, the purchaser confirms the transaction approval request information received from the authentication / payment approval server 50 through the purchaser terminal 10, and confirms the transaction approval request information through the purchaser terminal 10 The payment approval request information including the transaction approval information is transmitted to the authentication / payment approval server 50 through the Internet, the mobile communication network, and the like to request payment approval for the offline commerce transaction (S507).

Next, the authentication / settlement approval server 50 receives the settlement approval request information from the buyer terminal 10 to perform settlement authentication, and transmits the payment approval request to the seller terminal 30 via the authentication / payment approval server 50 for the offline commerce The settlement approval is transmitted (S509), and the settlement approval of the authentication / settlement approval server 50 for the offline commerce is transmitted to the buyer terminal 10 (S510). Then, the authentication / settlement approval server 50 transmits the bit coin remittance for the off-line commerce transaction to the distribution network unit 70, which has received the payment approval request from the buyer terminal 10 (S511). Here, the authentication / settlement approval server 50 transmits the bit coin transfer details to the distribution network unit 70 and then transmits the bit coin transfer details to the seller terminal 30 and the buyer terminal 10 via the authentication / 50). ≪ / RTI > Another one of the payment approval transfer methods of the authentication / payment approval server 50 for the off-line commerce to the seller terminal 30 is that the authentication / payment approval server 50 transmits the payment approval / In case of interlocking with the settlement system, the settlement approval of the authentication / settlement approval server 50 for the offline commerce may be transmitted to the seller terminal 30 via the settlement system.

Then, the authentication / payment approval server 50 stores the variable bit coin balance amount of each of the buyer and the seller due to the payment approval in the DB module 53 (S513).

Thereafter, the distribution network unit 70 authenticates the bit coin transfer details of the buyer by issuing a bit-coin authentication procedure from the computers of the other bit coin users, announces the transfer process record in the form of 'block chain' And transmits a settlement approval of the distributed network unit 70 to the authentication / settlement approval server 50 (S515).

Then, the authentication / settlement approval server 50 transmits the seller's changed bit coin balance amount S311 according to the payment approval stored in the DB module 53 and the bit coin of the buyer according to the payment approval of the received distribution network unit 70 To the seller, the amount of the bit coin balance of each of the bit coin purse of the changed purchaser and the bit coin purse of the seller is made the same, and the same amount of the bit coin balance amount is paid to the DB module 53) (S517).

Here, the seller makes payment for the off-line commerce in which the bit coin of the buyer is paid to the seller in accordance with the settlement approval of the distribution network unit 70, and stores the bit coin balance amount and transaction history of the changed bit coin purse of the seller in the seller It can be confirmed through the seller terminal 30 synchronized with the authentication / payment approval server 50 when the application is running. Then, the buyer makes payment for the off-line commerce, in which the bit coin of the buyer is paid to the seller in accordance with the settlement approval of the distribution network unit 70, and stores the bit coin balance amount and transaction history of the changed buyer's bit coin purse in the buyer application And can be confirmed through the purchaser terminal 10 synchronized with the authentication / settlement approval server 50 during operation.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it will be understood by those skilled in the art that various changes and modifications may be made without departing from the scope of the invention.

Therefore, the scope of the present invention should not be limited to the above-described embodiments, but should be determined by the scope of the appended claims and equivalents thereof.

It is to be understood that the foregoing embodiments are illustrative and not restrictive in all respects and that the scope of the present invention is indicated by the appended claims rather than the foregoing description, It is intended that all changes and modifications derived from the equivalent concept be included within the scope of the present invention.

10: Buyer terminal 30: Seller terminal
50: authentication / payment approval server 51: control module
53: DB module 70: Distributed network section

Claims (20)

An offline payment system using bit coin,
A seller application installed in the seller terminal and transmitting the bit coin address and transaction information of the seller to the buyer terminal;
A buyer application installed in the buyer terminal and transmitting a bit coin address of the buyer to the seller terminal; And
An authentication / payment approval server for authenticating settlement for offline commerce between the buyer and the seller in each of the seller application and the buyer application; / RTI >
The merchant application transmits to the authentication / payment approval server a bit coin address of the seller, the transaction information, and a bit coin address of the buyer received from the buyer application,
The buyer application sends the bit coin address of the buyer, the bit coin address of the seller received from the seller application and the transaction information to the authentication / payment approval server,
Wherein the authentication / payment approval server comprises: a bit coin address of the seller received from the merchant application; a bit coin address of the transaction information and the buyer; a bit coin address of the seller received from the buyer application; An offline payment system using a bit coin that compares a bit coin address of a buyer with each other to determine whether or not the payment is authenticated and authenticates the payment.
The method according to claim 1,
The authentication / payment approval server,
And a bit coin transmitting a payment approval for offline commerce between the buyer and the seller to each of the seller application and the buyer application when it is determined that the settlement authentication is performed when the payment authentication is determined.
3. The method of claim 2,
Wherein the authentication /
And transmits a settlement approval for the offline commerce to each of the seller application and the buyer application prior to the distributed network part in which the bit coin authentication procedure is performed from the other bit coin user's computers.
The method according to claim 1,
And the buyer application and the seller application are connected through short-range wireless communication.
The method according to claim 1,
The transaction information includes:
Offline bill payment system using bit coin that includes transaction number, transaction item, transaction quantity and transaction amount.
The method according to claim 1,
The buyer terminal,
An offline payment payment system using a bit coin, which is a portable device such as a smart phone having a function of using a payment service provided through the authentication / settlement approval server and a bit coin settlement function, a PDA having a wireless LAN card, .
The method according to claim 1,
The seller terminal,
And an Internet access terminal having a function of using a payment service provided through the authentication / settlement approval server and a bit coin settlement function.
In an offline payment settlement method using bit coin,
The seller application installed in the seller terminal transmits the bit coin address and transaction information of the seller to the buyer terminal;
Transmitting a bit coin address of the purchaser to the seller terminal by the buyer application installed in the buyer terminal;
The seller application sends the bit coin address of the seller, the transaction information, and the bit coin address of the buyer received from the buyer application to an authentication / payment approval server that performs payment authentication for offline commerce between the buyer and the seller ;
Sending, by the buyer application, the bit coin address of the buyer, the bit coin address of the seller received from the merchant application, and transaction information to the authentication / payment approval server; And
Wherein the authentication / payment approval server receives a bit coin address of the seller received from the merchant application, a bit coin address of the transaction information and the buyer and a bit coin address of the seller received from the buyer application, Comparing the bit coin addresses of the first and second bit coin addresses with each other to judge whether or not the payment authentication is performed;
And an offline payment method using a bit coin.
9. The method of claim 8,
After the step of determining whether or not the payment authentication is performed and performing the payment authentication,
When the payment authentication is determined to be the payment authentication, the authentication / payment approval server transmits the payment approval for offline commerce between the buyer and the seller to each of the seller application and the buyer application, Way.
10. The method of claim 9,
Wherein the step of transmitting the payment approval comprises:
And sending a payment approval for the offline commerce transaction to each of the merchant application and the purchaser application prior to the distributed network part in which the bit coin authentication procedure is performed from the other bit coin user's computers.
9. The method of claim 8,
The transaction information includes:
An offline payment method using a bit coin including a transaction number, a transaction item, a transaction amount, and a transaction amount.
9. The method of claim 8,
Wherein the buyer application and the merchant application are connected via short-range wireless communication.
An offline payment system using bit coin,
A buyer application installed in the buyer terminal and having a code corresponding to a bit coin address of the buyer;
A seller application installed in the seller terminal and transmitting the bit coin address and transaction information of the seller to the buyer terminal and obtaining the code from the buyer terminal; And
An authentication / payment approval server for authenticating settlement for offline commerce between the buyer and the seller in each of the seller application and the buyer application; / RTI >
The seller application transmits the bit coin address of the seller, the transaction information, and the acquired code to the authentication / payment approval server,
Wherein the buyer application transmits the bit coin address of the seller and the transaction information received from the seller application to the authentication / payment approval server,
The authentication / settlement approval server includes a bit coin purse management module for extracting a bit coin address of a buyer from the code received from the seller application and managing a bit coin purse of the buyer,
Wherein the authentication / payment approval server comprises: a bit coin address of the seller received from the seller application, the transaction information and a bit coin address of the extracted buyer, a bit coin address of the seller received from the buyer application, Information and a bit coin address of a buyer of the bit coin purse management module, respectively, to determine whether or not payment authentication is performed, and to perform payment authentication.
14. The method of claim 13,
The authentication / payment approval server,
And a bit coin transmitting a payment approval for offline commerce between the buyer and the seller to each of the seller application and the buyer application when it is determined that the settlement authentication is performed when the payment authentication is determined.
15. The method of claim 14,
Wherein the authentication /
And transmits a settlement approval for the offline commerce to each of the seller application and the buyer application prior to the distributed network part in which the bit coin authentication procedure is performed from the other bit coin user's computers.
In an offline payment settlement method using bit coin,
The seller application installed in the seller terminal transmits the bit coin address and transaction information of the seller to the buyer terminal installed with the buyer application and obtaining a code corresponding to the buyer's bit coin address from the buyer terminal;
Transmitting, by the merchant application, the bit coin address of the seller, the transaction information, and the acquired code to an authentication / payment approval server that performs payment authentication for offline commerce between the buyer and the seller;
Transmitting the bit coin address and transaction information of the seller received from the merchant application to the authentication / payment approval server;
Extracting a bit coin address of a buyer from the code received from the seller application, the bit coin wallet management module included in the authentication / payment approval server and managing the bit coin purse of the purchaser; And
Payment authorization server receives the bit coin address of the seller received from the merchant application, the transaction information and the bit coin address of the extracted buyer, the bit coin address of the seller received from the buyer application, and the transaction information And a bit coin address of a buyer of the bit coin wallet management module,
And an offline payment method using a bit coin.
17. The method of claim 16,
After the step of determining whether or not the payment authentication is performed and performing the payment authentication,
When the payment authentication is determined to be the payment authentication, the authentication / payment approval server transmits the payment approval for offline commerce between the buyer and the seller to each of the seller application and the buyer application, Way.
18. The method of claim 17,
Wherein the step of transmitting the payment approval comprises:
And sending a payment approval for the offline commerce transaction to each of the merchant application and the purchaser application prior to the distributed network part in which the bit coin authentication procedure is performed from the other bit coin user's computers.
In an offline payment settlement method using bit coin,
The seller application installed in the seller terminal obtains a code corresponding to the bit coin address of the buyer from the buyer terminal;
Settlement approval server for performing settlement authentication for off-line commerce between a seller and the purchaser, the seller application further comprising a bit coin address of the seller, transaction information, Transmitting a code;
A bit coin wallet management module included in the authentication / payment approval server and managing the bit coin purse of the purchaser extracts a bit coin address of the buyer from the code received from the seller terminal, Transmitting transaction approval request information including the transaction information to a buyer application installed in the buyer terminal;
Transmitting the payment approval request information including the transaction approval information in which the purchaser confirms the transaction approval request information to the authentication / payment approval server so that the buyer application requests payment approval of the authentication / payment approval server; And
The authentication / settlement approval server receives the settlement approval request information from the buyer terminal to perform settlement authentication, and transmits a settlement approval for the offline commerce transaction to the seller application and the buyer application, ;
And an offline payment method using a bit coin.
20. The method of claim 19,
Wherein the step of transmitting the payment approval comprises:
And sending a payment approval for the offline commerce transaction to each of the merchant application and the purchaser application prior to the distributed network part in which the bit coin authentication procedure is performed from the other bit coin user's computers.
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