KR20170123290A - System and method for transaction of electronic currency - Google Patents

System and method for transaction of electronic currency Download PDF

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KR20170123290A
KR20170123290A KR1020170096905A KR20170096905A KR20170123290A KR 20170123290 A KR20170123290 A KR 20170123290A KR 1020170096905 A KR1020170096905 A KR 1020170096905A KR 20170096905 A KR20170096905 A KR 20170096905A KR 20170123290 A KR20170123290 A KR 20170123290A
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electronic money
user
transaction
information
pos terminal
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KR1020170096905A
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KR101852935B1 (en
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임종범
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임종범
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment 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
    • G06Q20/3678—Payment 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 e-cash details, e.g. blinded, divisible or detecting double spending
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/381—Currency conversion
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights

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  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
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  • General Business, Economics & Management (AREA)
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  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
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  • Computer Networks & Wireless Communication (AREA)
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Abstract

The present invention relates to a transaction method using electronic money, and more particularly, to a transaction method using an electronic money, in which an electronic money user can directly exchange real money, prevent an error that may occur during a block chain generation process, The present invention relates to an electronic money transaction system and method for enhancing the security of transactions. According to the electronic money transaction system and method according to the embodiment of the present invention, the transaction procedure of the electronic money can be simplified by directly exchanging the electronic money user with the real money through the exchange server. In addition, by using the address of the POS terminal as a virtual address, the security against transaction details can be enhanced. In addition, by introducing a game-type electronic money mining process, there is an effect that a user can increase interest in electronic money use. Also, by changing the electronic money information based on the transaction data whose validity has been confirmed, it is possible to prevent an error that may occur in the block chain generation process and to enhance the security of transaction details of the electronic money.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic money transaction system,

The present invention relates to a transaction method using electronic money, and more particularly, to a transaction method using an electronic money, in which an electronic money user can directly exchange real money, prevent an error that may occur during a block chain generation process, The present invention relates to an electronic money transaction system and method for enhancing the security of transactions.

Electronic commerce services are spreading as network technology such as IT technology and the Internet develops. E-commerce is generally defined as business to business (B2B), business to customer (B2C), customer to customer (C2C) Business to Government (B2G), which includes a series of actions such as purchasing, shipping, marketing, and providing services, as well as moving money through a wired or wirelessly connected network system. .

With regard to such electronic commerce, a payment method using virtual electronic money has recently become an object of interest. A typical example of electronic money is a bit coin. Bitcoin is electronic money created by Satoshi Nakamoto in 2009. It is based on a peer-to-peer network (P2P network) and deals with transactions based on public key cryptography. The bit coin is stored in the form of a wallet file. Each wallet is given a public address and a private key corresponding to the password, and purchases are possible based on the public address. The transaction history of electronic money is generated and verified in a P2P network, and all the generated blocks are stored in the verification process, forming a block chain through connection with other blocks.

1 is a diagram illustrating a structure in which electronic money is traded through a block chain. Referring to FIG. 1, a process of trading electronic money between users is as follows. Each user generates a public key and a private key. Encrypted data using the public key can be decrypted using the corresponding private key. Conversely, data encrypted using the private key can be decrypted using the corresponding public key. It can be decoded only by using it. In order for the user B to transmit the electronic money to the user C, the user B hashes the transaction details of the electronic money using the public key of the user C. Once the hashing is done, the transaction history can not be restored. User B hashes transaction details using user C's public key and signs it using his / her private key. The signed result is delivered to user C. The data received by the user C can be decrypted using his / her private key since the transaction is encrypted using his / her public key. The transaction of the electronic money is completed by decrypting the encrypted transaction details.

The conventional system for trading using the electronic money forming the block chain can be performed only when the seller who wants to sell the electronic money and the purchaser who wants to purchase the electronic money open the electronic wallet. To this end, a user who wishes to trade electronic money opens an electronic wallet by connecting to a transaction server, and then buys the electronic money by transferring the real money to the exchange. After confirming that the real money has been transferred, the exchange places the electronic money in the electronic wallet of the user who purchased the electronic money. When a user intends to sell electronic money, he or she accesses an exchange server to transfer the electronic money, and then purchases the electronic money transferred by the purchaser, thereby transferring the real money to the buyer. That is, the conventional electronic money exchange does not provide a direct exchange of electronic money and real money with a user, but mediates a transaction of electronic money between a seller and a purchaser. On the other hand, in the case of bit coin, which is a representative example of electronic money, one block is generated every about ten minutes. Therefore, since it takes about 10 minutes to verify the next transaction after the previous transaction, using the bit coin as the electronic money in the short-time electronic commerce may cause a problem of hindering the promptness of the transaction.

As an example of transaction using the bit coin, Japanese Patent Application Laid-Open No. 10-2016-0009301 (a settlement agent service of a private key-based electronic money and a method thereof) and Registered Patent Publication No. 10-1628007 , And Patent Registration No. 10-1628009 (a transaction system of digital virtual currency having a block chain between parties).

However, this conventional technology does not provide a direct exchange of electronic money and real money between exchanges and users, and there is a problem that it is difficult to carry out an immediate transaction due to the time required for verifying a block (about 10 minutes). In addition, electronic money such as bit coin is aimed at transparency that can display transaction details included in each block. Accordingly, as shown in FIG. 2, a third party can confirm all transaction details included in each block. In addition, since all the source code of the software including the principle of running the transaction system is disclosed, it is possible to observe all transactions transparently. However, among users who participate in transactions using electronic money, it is a fact that it is difficult to provide security for transaction details to a company or a store who wishes that transaction details through electronic money are not disclosed to the outside.

Japanese Patent Application Laid-Open No. 10-2016-0009301 (2016.01.26) Patent Registration No. 10-1628007 (June 16, 2016) Patent Registration No. 10-1628009 (Jun. 16, 2013)

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and it is an object of the present invention to increase the convenience of transaction of electronic money by directly exchanging electronic money and real money in a user or a shop. In addition, the purpose of the present invention is to enhance the security of transaction details between a user and a store by processing the address of the store in a non-public manner.

In order to achieve the above object, an electronic money transaction method according to the present invention is a method for intermediating a transaction of an electronic money in cooperation with a computer device of a user and a POS terminal of a shop, Providing electronic cash information of a user to the computer device of the user in accordance with the authentication result; and displaying the electronic money transaction history between the POS terminal and the user's computer device The method comprising the steps of: receiving an electronic money transaction request from a POS terminal of the shop; changing the electronic money status of the user and the store based on the electronic money transaction details; The electronic money to be exchanged is converted into real money according to the market price and remitted. It may include a system.

The electronic money information may include at least one of mining information, past purchasing information, remaining balance information of electronic money held, and settlement information of electronic money.

The electronic money may be etherium.

The electronic money transaction details may be generated using the virtual address of the shop.

The electronic money transaction method may further include extracting electronic money from the computer apparatus of the user.

The step of mining the electronic money may include determining whether the computer apparatus has moved to a designated position, and determining whether the designated operation has been performed at the designated position.

According to another aspect of the present invention, there is provided a method of trading electronic money in cooperation with an exchange server and a point-of-sale terminal of a store, the method comprising: performing user authentication by accessing the exchange server and providing user identification information; Receiving electronic money information from the exchange server according to the authentication result, performing an electronic money transaction with the POS terminal using the electronic money information, transmitting the electronic money transaction result to the exchange server Thereby changing the status of the electronic money, and a step of exchanging the electronic money to the real money in accordance with the market price.

According to another aspect of the present invention, there is provided a method for trading electronic money in cooperation with a user's computer apparatus and an exchange server, the method comprising the steps of: receiving electronic money information of a user from the user's computer apparatus; The method comprising the steps of: extracting an electronic money price of a selected object; generating an electronic money transaction detail by subtracting the selected object electronic money price from the electronic money information of the user; and transmitting the electronic money transaction details to the exchange server And a step of exchanging the electronic money into the real money in response to the market price.

In addition, the electronic money transaction system of the present invention is a system for mediating transactions of electronic money in cooperation with a computer device of a user and a POS terminal of a shop, comprising: a customer information management module for storing and managing user information; An electronic money management module for storing and managing the electronic money information of the shop, a transaction history management module for receiving the electronic money transaction details made between the user's computer device and the POS terminal of the shop and forming a block chain including the hash value, The electronic money management module can exchange electronic money to be settled into real money according to the market price and send the electronic money when the electronic money settlement request is made from the POS terminal.

According to another aspect of the present invention, there is provided a system for trading electronic money in cooperation with an exchange server and a POS terminal of a store, comprising: a customer information management module for storing and managing user information; And a transaction history management module that stores and manages transaction details by performing transactions with respect to goods through electronic money through the POS terminal of the shop, and the electronic money management module includes: The electronic money can be exchanged with the real money according to the market price of the exchange server.

According to another aspect of the present invention, there is provided a system for trading electronic money in cooperation with a user's computer device and an exchange server, comprising: a store information management module for storing and managing store information; An electronic money management module for storing and managing the electronic money management module, and a transaction history management module for performing transaction with the user's computer device and goods by electronic money and storing and managing transaction details, The electronic money and the real money can be exchanged according to the exchange server and the market price.

In addition, the electronic money transaction program of the present invention performs user authentication by receiving user identification information from the computer device of the user at an exchange server for interfacing transactions of electronic money in cooperation with a user's computer device and a POS terminal of a shop Providing electronic money information of a user to the computer device of the user in accordance with the authentication result; and transmitting electronic money transaction details between the POS terminal and the user's computer device to the POS terminal of the store Changing the electronic money status of the user and the store based on the electronic money transaction history; and, when there is an electronic money settlement request from the POS terminal, To carry out the step of exchanging and transferring money to the real money in accordance with Can be stored in a sieve.

According to another aspect of the present invention, there is provided an electronic money transaction program, which includes a step of performing user authentication by connecting to an exchange server and providing user identification information in a computer device for trading electronic money in cooperation with an exchange server and a POS terminal of a shop, Receiving electronic money information from the exchange server according to the authentication result, performing an electronic money transaction with the POS terminal using the electronic money information, transmitting the electronic money transaction result to the exchange server Thereby changing the status of the electronic money and the step of converting the electronic money into the real money in response to the market price.

In addition, the electronic money transaction program of the present invention includes the steps of receiving electronic money information of a user from a computer device of a user in a POS terminal that deals electronic money in cooperation with a user's computer device and an exchange server, The method comprising the steps of: extracting an electronic money price of a selected object; generating an electronic money transaction detail by subtracting the selected object electronic money price from the electronic money information of the user; and transmitting the electronic money transaction details to the exchange server , And a step of exchanging the electronic money into the real money in accordance with the market price.

According to the electronic money transaction system and method according to the embodiment of the present invention, the transaction procedure of the electronic money can be simplified by directly exchanging the electronic money user with the real money through the exchange server. In addition, by using the address of the POS terminal as a virtual address, the security against transaction details can be enhanced. In addition, by introducing a game-type electronic money mining process, there is an effect that a user can increase interest in electronic money use. Also, by changing the electronic money information based on the transaction data whose validity has been confirmed, it is possible to prevent an error that may occur in the block chain generation process and to enhance the security of transaction details of the electronic money.

1 is a diagram illustrating a structure in which electronic money is traded through a block chain,
FIG. 2 is an exemplary screen view of a transaction history of a conventional electronic money system, FIG.
3 is an overall configuration diagram of an electronic money transaction system according to an embodiment of the present invention.
FIG. 4 is a flowchart illustrating an electronic money transaction in an electronic money transaction system according to an embodiment of the present invention.
5A and 5B illustrate examples of electronic money information in an electronic money transaction system according to an embodiment of the present invention. FIG. 5A is an example of user information of a user, FIG. 5B is an example of account information of a user, Fig. 5D is an example of exchange rate information of electronic money, Fig. 5E is an example of settlement information,
FIG. 6A is an illustration of a data structure for assigning a plurality of coins to one purse in an electronic money transaction system according to an embodiment of the present invention, FIG. 6B is a view showing a screen when a plurality of coins are allocated to one purse For example,
FIG. 7 is a diagram showing an example of a screen when electronic money information currently held by a user is displayed in an electronic money transaction system according to an embodiment of the present invention;
FIG. 8 is an exemplary diagram illustrating a process in which an electronic money settlement is performed between a user's computer apparatus and a POS terminal in an electronic money transaction system according to an embodiment of the present invention; FIG.
9 is an exemplary screen view of an electronic money transaction result displayed on a POS terminal in the electronic money transaction system according to the embodiment of the present invention.
10 is a diagram illustrating a process in which an electronic money transaction is performed using a virtual address in the electronic money transaction system of the present invention,
11 is an internal configuration diagram of an exchange server in an electronic money transaction system according to an embodiment of the present invention,
12 is an exemplary software configuration of an electronic money transaction system according to an embodiment of the present invention,
13 is a diagram illustrating an exemplary software configuration for error processing in an electronic money transaction system according to an embodiment of the present invention.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to limit the invention. The singular forms as used herein include plural forms as long as the phrases do not expressly express the opposite meaning thereto. Means that a particular feature, region, integer, step, operation, element and / or component is specified, and that other specific features, regions, integers, steps, operations, elements, components, and / And the like.

Unless otherwise defined, all terms including technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. Commonly used predefined terms are further interpreted as having a meaning consistent with the relevant technical literature and the present disclosure, and are not to be construed as ideal or very formal meanings unless defined otherwise.

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

Since the electronic money transaction system and method of the present invention requires quick verification of transaction data, it is preferable to use electronic money in which generation and verification of blocks can be performed in a short time. Examples of suitable electronic money include Ethereum. Etherium is designed as an open platform in which you can view block chains as a single database, load all assets, and program each asset as it is driven or traded.

Etherium was developed by Vitalik Buterin in 2014 and, unlike other electronic currencies, the concept of Smart Contract was used. The characteristic of smart contracts is that the language used is self-enforcing. In other words, because Etherium's platform is written in the executable code of the software, the program is automatically executed and the contract is fulfilled when certain conditions are met. Accordingly, the user who intends to trade electronic money by using the electronic money transaction system of the present invention is forced to perform the contract, so that the reliability of the transaction using the electronic money can be secured.

3 shows an overall configuration of an electronic money transaction system according to an embodiment of the present invention. 3, the electronic money transaction system of the present invention includes a computer device 100 capable of facilitating the functions and features described herein, a communication network 200, an exchange server 300, and a POS -Of-Sale) terminal 400.

The computer device 100 and the exchange server 300 and the POS terminal 400 may be implemented in any number or combination of processors, controllers, integrated circuits, programmable logic circuits, And signal processing devices, as well as communication modules capable of communicating with one or more memories, transmitters and receivers, displays, and various devices. In addition, it includes a computer program that performs data operation through a specified algorithm and displays the result so that the result can be recognized from the outside through a display, and a user interface (UI) .

The computer program includes a plurality of code segments executable in the computer device 100, the exchange server 300, and the POS terminal 400 to perform the respective steps in the electronic money transaction method of the present invention . At this time, each step of the electronic money transaction method may be performed according to the order shown in the drawings, but each step may be performed in a different order unless explicitly stated. Also, some of the steps may be performed simultaneously, and some of the steps may be performed selectively.

The computing device 100 and the exchange server 300 and the POS terminal 400 may include electronic devices that can access one or more general purpose computing resources such as Internet services, e-mail services, data transfer services, and the like. It may also include a user database that stores user specific information for accessing online resources via the communication network 200. The database may store other information and data needed to implement the electronic money transaction method of the present invention have.

The computing device 100 and the exchange server 300 and the POS terminal 400 may include any device or equipment including memory associated with the processor. A processor may implement an operating system and execute a computer program known as an instruction, software code, executable, application, app, or the like. The processor may include a microcontroller, a field programmable gate array (FPGA), or the like, or a combination thereof. The memory may store or hold computer programs and may store text, databases, graphics, audio, video, combinations thereof, and other data. The memory may be referred to as a computer-readable medium or a computer-readable storage medium and may be embodied in a variety of forms, including RAM (Random Access Memory), ROM (Read Only Memory), flash drive, floppy disk, hard disk, compact disk (Digital Video Disc), or the like, or a combination thereof. The computer device 100 and the exchange server 300 and the POS terminal 400 may be used together with such memory to store a plurality of hard disks, a network attached storage, or a file storage and may further include a file store.

The computer device 100 and the exchange server 300 and the POS terminal 400 may be specifically configured for use with a mobile communication device (including a wireless device), a workstation, a desktop computer, a laptop computer, a palmtop computer, a tablet computer, a PDA a digital assistant, a smart phone, a scanner, a kiosk, a printer, or a combination thereof.

Various embodiments of the computing device 100 may include voice communication devices such as cellular phones, cell phones, smart phones or landline phones.

The computer device 100 and the exchange server 300 and the POS terminal 400 will have an electronic display such as a cathode ray tube, liquid crystal display, plasma, or touch screen that displays visual graphics, images, text, According to an embodiment, the computer program of the present invention facilitates interaction and communication via a Graphical User Interface (GUI) displayed through an electronic display. The GUI allows interaction with the electronic display by touching or pointing display areas to provide information of the user (i. E., Consumer, financial institution representative, or manager) to the user control interface.

The computer device 100 and the exchange server 300 and the POS terminal 400 may also include optical devices such as a digital camera, a video camera, an optical scanner, etc. so as to be able to capture, store and transmit digital images or video have.

The computer device 100, the exchange server 300, and the POS terminal 400 may include a user control interface to allow one or more users to share information and instructions with one another. The user control interface may include one or more function inputs such as buttons, keyboards, switches, scroll wheels, voice recognition elements such as a microphone, and pointing devices such as a mouse, touchpad, tracking ball, and stylus . The user control interface may also include a speaker for providing audible instructions and feedback. In addition, the user control interface may include a wired or wireless data transmission component, such as a communication component, a removable memory, a data transceiver, or a transmitter, to enable the user or other electronic device to interface remotely.

The communication network 200 may be wired or wireless and may include an electrically conductive cable or an optical cable, as well as a server, a router, a switch, a wireless receiver and a transmitter, and the like. The communication network 200 may also include a local area network (LAN), a metro area network (MAN), or a wide area network (WAN) as well as the Internet or other cloud networks. In addition, the communication network 200 may include a cellular or mobile telephone network, as well as a landline phone network, a public switched telephone network (PSTN), an optical fiber network, and the like.

The computer device 100, the exchange server 300, and the POS terminal 400 may both be connected to the communication network 200. The computer device 100, the exchange server 300 and the POS terminal 400 may communicate with the other computer device 100 or the POS terminal 400 through the communication network 200. The connection to the communication network 200 may be wired or wireless. The computer device 100, the exchange server 300 and the POS terminal 400 may comprise suitable components for establishing a wired or wireless connection.

The computer program of the present invention can be executed in the computer device 100, the exchange server 300 and the POS terminal 400. [ As such, a first portion of the program, code, or instructions may be executed on the first computer device 100 and the exchange server 300 and the POS terminal 400, while a second portion of the program, code, May be executed in the second computer device 100, the exchange server 300 and the POS terminal 400. [ In some embodiments, the program, code, or other portions of the instructions may be executed in another electronic device. For example, information specific to each user may be stored in the memory of the exchange server 300, so that information specific to each user may be provided to the user or manager using one or more computer devices 100 via a computer program Lt; / RTI > In an embodiment of the invention, a portion of the information embodying the invention may be stored in the exchange server 300, while other portions of information may be stored in one or more computer devices 100. The computer device 100, which performs various operations, analyzes, and calculations described herein as being performed by a computer program or using a computer program, in effect, independently or in cooperation with portions of the computer program, May be performed by one or more computers, processors, or other devices, such as exchange server 300 or POS terminal 400. [

In an embodiment of the present invention, a computer program may be embodied as a stand alone program installed in a user's computer device 100 or as a web accessible program accessible by a user's computer device 100 via a communication network 200 . In the case of a standalone program, a downloadable version of the computer program may be stored, at least in part, in the exchange server 300. A user may download at least a portion of the computer program to the computer device 100 via the communication network 200. [ In an embodiment of the invention, the computer program may be an application, such as an app for a mobile device. After the computer program is downloaded, the program may be installed in the computer device 100 in an executable format. The executable form of the program allows the user to access embodiments of the invention via electronic resources, such as mobile apps or websites. In the case of a web accessible computer program, the user can access the computer program via the communication network 200 simply using the computer device 100. [

FIG. 4 is a flowchart illustrating an electronic money transaction in an electronic money transaction system according to an embodiment of the present invention. 5 to 9 illustrate examples of an electronic money transaction process according to an embodiment of the present invention. Hereinafter, a specific electronic money transaction process will be described with reference to the flow chart of the electronic money transaction of FIG. 4 together with the examples of FIGS. 5 to 9 together.

4, in an electronic money transaction system according to the present invention, a user uses a variety of computer devices 100 such as a personal computer or a smart phone to exchange information with the exchange server 300 through a communication network 200, . A user connected to the exchange server 300 can log in using personal identification information such as a name, an ID and a resident registration number, and a password for authentication of the user. At this time, besides the personal identification information, separate authentication data such as a public key certificate may be used as information for login. When the user logs in the exchange server 300 using the computer device 100, the exchange server 300 transmits the electronic money information of the user to the user's computer device 100 based on the personal identification information input by the user. . The user's electronic money information can largely include customer information, account information, wallet information, electronic currency exchange rate information, and settlement information. FIG. 5A shows an example of user information of a user, and FIGS. 5B and 5C show examples of account information and wallet information, respectively. 5D and 5E respectively show examples of exchange rate information and settlement information of electronic money, respectively.

Customer information includes customer name, customer type, user ID, password, language, country code, telephone number, email, cell phone type, date and time of transaction, transaction shop, bank and account number, location information (latitude and longitude) And the like may be included. The account information may include the user's account address and the account code. Wallet information may include information such as customer ID, usage token and coin type, wallet address, balance, etc., based on the account code. Since the electronic money transaction system of the present invention can include a plurality of coins in one purse address, a plurality of coin information can be included in the purse information. The exchange rate information of the electronic money may include a discrimination code according to the kind of exchange, and exchange rate information according to a specific date and time.

FIG. 6A illustrates an example of a data structure for assigning a plurality of coins to one purse in an electronic money transaction system according to an embodiment of the present invention, and FIG. 6B illustrates an example of a data structure in which a plurality of coins are allocated to one purse As shown in FIG.

Referring to FIG. 6A, an electronic money data block, such as an etherium, includes an Input Data area in which a plurality of coin addresses can be allocated in one wallet address. In the [0] field of the Input Data area of FIG. 6A, a plurality of coin addresses allocated to the user's wallet address can be allocated. The plurality of coins assigned in this manner can be recorded with data such as coin values and coin values corresponding to the fields [3] to [6]. As shown in FIG. 6A, when a plurality of coins are allocated to one purse, the user can confirm a plurality of coin information allocated as shown in FIG. 6B. Accordingly, the electronic money transaction system of the present invention allocates various kinds of coins to one purse address, so that it is possible to conveniently and efficiently conduct the electronic money transaction by managing the purses by using a plurality of coins.

The settlement information may include settlement information of the electronic money between the user's computer apparatus 100 and the exchange server 300 or between the POS terminal 400 and the transaction server 300 in the electronic money transaction system of the present invention. The electronic money information of the user provided from the exchange server 300 is stored in the user's computer device 100 so that the user can check the details of the electronic money information at a necessary time.

7 is a diagram illustrating an example of a screen in which electronic money information currently held by the user is displayed on the user's computer device 100 based on the electronic money information provided from the transaction server server 300 by the user. That is, the electronic money information of the user includes identification information that can distinguish the user such as the user's name, nickname, ID, and the like, as well as the type of electronic money (here, ether) held by the user and the balance status, The price of the corresponding electronic money and the value at the time of conversion into the real money can be included. In addition, the user can check transaction history such as purchase of electronic money, transaction history of purchased goods at the shop using electronic money, details of the sale of electronic money, and conversion into real money.

The electronic money transaction system of the present invention enables quick electronic money transaction by allowing the electronic money held by the user to be directly exchanged through the exchange server 300 instead of exchanging electronic money between users.

On the other hand, the user can only confirm information from the exchange server 300 to the time when the electronic money information of the user is provided, and the purchasing or payment, or the balance information that has been changed after that, is transmitted to the exchange server 300 It can be updated by connecting and receiving the changed information again.

The user can make a transaction such as purchasing a product by visiting a shop subscribed to the electronic money transaction system of the present invention while holding the computer apparatus 100. [

FIG. 8 is a diagram illustrating a process of performing an electronic money settlement between a user's computer apparatus 100 and a POS terminal 400. FIG. Referring to FIG. 8, the POS terminal 400 stores the information on the electronic money price of the merchandise in addition to the current status of the merchandise handled by the shop installed in the store, and can confirm the information through the display in the merchandise purchasing process . When the user selects a product to be purchased, the shop manager selects a sale item using the POS terminal 400, and when the selection of the product is completed, the electronic money amount of each product and the total amount of electronic money of the whole product are confirmed . After confirming the status of the goods to be purchased by the user, the user can proceed to settle the electronic money using the computer apparatus 100. At this time, a QR code for electronic money settlement is displayed on the POS terminal 400 for efficient commodity purchase, and the user can promptly settle the settlement by tagging the QR code using the computer apparatus 100.

In the case of electronic money using a block chain, the public address has data of 32 bytes (bytes) to 35 bytes, which is a combination of numbers, lowercase letters and uppercase letters. Therefore, since it is difficult for the user of the electronic money to confirm the public address of the shop or the POS terminal 400, it is effective to convert the public address into the QR code to perform settlement.

The payment information generated through the transaction process is transmitted from the user's computer device 100 to the transaction server 300. When the transaction server 300 confirms the payment information and the transaction is determined to be a normal transaction, And transmits the approval information to the POS terminal 400. Accordingly, approval according to the electronic money transaction between the user's computer apparatus 100 and the POS terminal 400 of the shop is completed.

When the approval of the electronic money transaction is completed, the POS terminal 400 of the shop receives the electronic money as the consideration for selling the product to the user from the exchange server 300, and the sales status of the electronic money acquired through the sales of the product Can be calculated and displayed. FIG. 9 is a diagram illustrating an example of a screen of an electronic money transaction result displayed on the POS terminal 400. FIG. Referring to FIG. 9, the shop manager can confirm the sales status using electronic money after the end of the day or at a specific time through the POS terminal 400. [ At this time, the accumulated electronic money sales status can be confirmed at any time, and the electronic money can be confirmed based on the time point, so that the value of the real money that is exchanged can be immediately confirmed by adjusting the electronic money. When the store manager wants to settle the electronic money secured through the sale of the commodity, the settlement is requested to the exchange server 300 through the POS terminal 400. The electronic money can be settled collectively or electronically, and only a part of the electronic money can be settled.

When there is a request for settlement of electronic money through the POS terminal 400, the exchange server 300 verifies the reliability of the electronic money for which the settlement request is made, and when the verification is completed, And the settlement will be carried out. Since the exchange server 300 holds the account for the real money, it is possible to exchange and process the electronic money and the real money held by the store immediately if there is a request for settlement of the electronic money. Therefore, the store using the electronic money transaction system of the present invention directly performs the settlement of the electronic money and the real money with the exchange server 300 without waiting for the exchange of electronic money by another user.

In the electronic money transaction system 100 of the present invention, the public address of the POS terminal 400 is used as a virtual address so that a third party can not confirm transaction details of the shop made by the POS terminal 400. 10 is a diagram illustrating a process in which an electronic money transaction is performed using a virtual address in the electronic money transaction system of the present invention. Referring to FIG. 10, the public address for identifying the POS terminal 400 is converted into a virtual address having a predetermined size, and a transaction with the computer device 100 is performed using the virtual address. Accordingly, a third party who views transaction details of the electronic money through the communication network 200 can only identify the transaction details of the virtual address, and thus can not identify the POS terminal 400 having the transaction details .

Meanwhile, the electronic money transaction system of the present invention provides a function of allowing a user to extract electronic money through a game using the computer apparatus 100. [ Preferably, when a user performs a specified action in a specific area using the GPS system, mining may be performed in the form of a GPS game that entitles the user to receive electronic money.

For example, when the user executes the computer apparatus 100, a method of mining electronic money will be displayed on the screen of the computer apparatus 100. [ The way in which electronic money can be mined will be the specific details of the action to be performed by visiting the specific area displayed on the screen. When a user possesses the computer apparatus 100 and reaches a designated place, an icon capable of mining electronic money is displayed on the screen of the computer apparatus 100, and the work for electronic money mining is completed can do. At this time, the payment of the electronic money may be paid to the user who has completed the designated action at the specified place, or may be paid on a first come, first served basis. Also, the quantity of electronic money that can be mined depends on the designated location or the type of the specified action. The exchange server 300 provides the electronic money to the personal wallet for the selected user through the mining operation.

11 is an internal configuration diagram of an exchange server in an electronic money transaction system according to an embodiment of the present invention. 11, the exchange server 300 of the present invention includes a database 310, at least one CPU (Central Processing Unit) 320 connected to the database 310 for performing a high-speed operation, an input device 340, Lt; RTI ID = 0.0 > 350 < / RTI >

Here, the input device 340 may be a device such as a mouse or a touch screen capable of recognizing a user's operation or touch, but may also include a physical transducer such as a microphone. The output device 350 is a display capable of displaying characters or images such as a light emitting diode (LED), a liquid crystal display (LCD), and an electronic ink (e-ink) May also be included.

The CPU 320 is embedded in the electronic money transaction system 300 and performs a function of processing the entire operation. That is, a block including payment and transaction details using electronic money is formed in cooperation with the computer device 100 of the user who intends to trade using the electronic money or the POS terminal 400 of the shop, The reliability of the previously generated block is confirmed by using the hash value recorded in the previous block. The CPU 320 is provided with an arithmetic logic unit (ALU) 322 for performing calculations, a register 324 for temporary storage of data and instructions, and a controller 326 for controlling the operation of the electronic money transaction system 300. [ ≪ / RTI > CPU 320 is a company including Alpha of Digital, MIPS technology, MIPS of NEC, IDT, Siemens, Intel, Cyrix, AMD and Nexgen X86 and PowerPC from IBM and Motorola. ≪ Desc / Clms Page number 2 >

The database 310 generally includes a high speed main memory 312 in the form of a storage medium such as RAM (Random Access Memory) and ROM (Read Only Memory), an auxiliary memory 314 such as a flash memory, And an apparatus for storing data using another storage medium. Main memory 312 may also include a video display memory that displays an image through output device 350. [ It will be apparent to those skilled in the art that the database 310 may have various forms as a product having various storage capabilities.

In the technical field of the present invention, the electronic money transaction system 300 may include an operating system (OS) and at least one application program. The OS is a set of software that controls the operation of the electronic money transaction system 300 and the assignment of resources. An application program is a set of software for performing a task requested by a user by using available computer resources through the OS. The OS and application programs will reside in database 310. Unless stated otherwise in accordance with the experience of those skilled in the art of computer programming, the present invention will be described in accordance with the representation symbols for operations and operations performed by the electronic money transaction system 300 . This operation is computer-based and will be performed by an OS or a suitable application program. These operations and functions are not limited to the processing of the CPU 320 and the operation of the electronic money transaction system 300 for the electrical signals such as the data bits causing the conversion or blocking of the electric signals, And management of data bit signals stored in the memory area. A memory area in which a data bit signal is managed is a physical area having electric, magnetic, or optical characteristics corresponding to data bits.

12 is a diagram illustrating an exemplary software configuration of an electronic money transaction system according to an embodiment of the present invention. 12, the application module 380 in the electronic money transaction system of the present invention includes a customer information management module 381 for storing and managing information on a customer using the electronic money transaction system of the present invention, An electronic money management module 382 for managing the statuses of generation, mining, quotation and currency exchange, a transaction history management module 380 for generating and managing transaction details of the electronic money between the user's computer device 100 and the POS terminal 400, Module 383 as shown in FIG.

The software including the application module 380 can use various OSs as the OS of the system. The OS provides high-level commands to an API (Application Program Interface) 361 to control the operation of each application module 380. The software installed in the electronic money transaction system includes a high level command processing unit (for example, a high level command processing unit) for identifying each corresponding application module 380 in accordance with a high level command provided from the API 361, 362). The application module control unit 370 controls the operation of the application module 380 according to a command provided from the high-level command processing unit 362. That is, the high-level command processing unit 362 identifies whether the corresponding application module 380 exists according to the high-level command provided through the API 361. If the corresponding application module 380 exists, And transmits the decoded data to the corresponding mapping unit or controls message transmission. Accordingly, the application module control unit 370 includes the customer information management module 381, the mapping units 371, 373, and 375 for the electronic money management module 382 and the transaction history management module 383, and the interface units 372, 374, and 376, respectively.

The customer information management module mapping unit 371 receives the customer information requesting the transaction of the electronic money from the high-level command processing unit 362, stores and manages the information, and receives high-level commands for managing the customer information. To the device level that can be processed by the information management module 381 and provides it to the customer information management module 381 through the customer information management module interface unit 372.

The electronic money management module mapping unit 373 and the electronic money management module interface unit 374 manage the status of the electronic money that is traded through the exchange server 300. [ That is, the electronic money management module mapping unit 373 receives high-level commands for using the electronic money management module 382 from the high-level command processing unit 362, maps the high-level commands to device level commands, And provides it to the electronic money management module 382 via the interface unit 374. [ Also, it is responsible for paying electronic money to the user based on the electronic money mining status performed by the user.

The transaction history management module 383 is a part for generating and managing transaction information between the user's computer device 100 and the POS terminal 400 of the store. The transaction history management module mapping unit 375 receives the high level command applied through the high level command processing unit 362 to generate and manage a block of the device level that can be recognized by the transaction history management module 383 Maps to the command. The device level command is provided to the transaction history management module 383 via the transaction history management module interface unit 376. [ Accordingly, the transaction history management module 183 is executed to generate and manage transaction details.

The detailed member function for the API 361 configured to perform this function will be described in more detail as follows. Open API (Open API) is used to open the session of the application module about the information of the customer who performs the transaction using the electronic money, the details of the electronic money purchased or traded by the customer, and the transaction of the electronic money. The Close API is used to terminate the session for the application module used. The retrieval API (Retrieve API) is used to retrieve application modules that can be called from the exchange server 300 to confirm customer information, electronic money information, and transaction details. The status API (Status API) is used to determine the operating status of each application module. The initialization API (Initialize API) has a function of initializing the application module so that it can be called. List API (List API) is used to check customer information, electronic money details, transaction history and executable application program list. The record API (Register API) has a function of recording customer information, electronic money history, and transaction history. The API (Unregister API) is used to delete customer information, electronic money details and transaction details. As a result, such individual APIs are executed according to the application module or the message transmission mode used, and accordingly, it is possible to use an application module for carrying out the transaction of the electronic money from the mining of the electronic money.

However, the above-mentioned application module and its functions may be all performed in the exchange server 300, but the user's computer apparatus 100 and the module may be distributed and installed so that they can be processed by sharing some functions.

On the other hand, electronic money, such as etherium, which uses a block chain, sometimes causes an error in the transaction process. This error occurs when transaction data is generated but transaction data is not generated, transaction data is generated but the transaction is not made due to insufficient gas limit, And the transaction is not completed due to a factor. In the case where the transaction data is not generated, the transaction data itself is not generated or the generation is delayed because the transaction request is excessive at a specific point in time. In this case, when the transaction data is generated with the same value, in which the transaction data is generated again, the same transaction data may be duplicated when the transaction data is generated due to a delay in time. If the commission limit is insufficient, the transaction may be canceled despite the transaction request. In addition, errors at addresses receiving electronic money can occur when large transactions occur at the same time.

In order to prevent such a transaction error, the electronic money transaction system of the present invention includes an interface layer for receiving a request signal for an electronic money transaction from a user's computer apparatus 100 and determining the validity of the electronic money transaction, The database layer can be separately managed.

13 is a diagram illustrating an exemplary software configuration for error processing in an electronic money transaction system according to an embodiment of the present invention. Referring to FIG. 13, the exchange server 300 may be divided into an interface layer 392 and a database layer 394.

The interface layer 392 may include an Outside API for processing requests sent from the user's computer device 100 and an inside API for verifying the validity of the transactions via the Ethernet network. The Outside API, in response to a user's transaction request, identifies the user's address and status, and processes information such as transaction requests, transmission details, and balance. The Inside API generates a transaction log table in which the transaction request is made based on the request information. The transaction log table is the data on which the transaction request is made and is data before the validity check of the transaction is made. The data on which the transaction request is made can cause transaction errors for a variety of reasons. Therefore, if there is a transaction request from the user's computer device 100, the inside API preprocesses the transaction request and records it in the transaction log table. Then, the transaction history is finally confirmed when it is confirmed whether the transaction of the electronic money has been validated for a predetermined delay time or when the validity of the server or node responsible for the electronic money transaction is confirmed. At this time, the process of confirming the validity of the transaction is preferably an asynchronous process which does not coincide with the time interval of generating the block chain of the electronic money. Through this process, a separate valid transaction table is created for transaction information in which the validity of the transaction is confirmed. Accordingly, the final transaction data is managed as an effective transaction table, and the electronic money status of the store is changed according to the effective transaction table. If the transaction log table information that has been pre-processed according to the transaction request is not confirmed within a predetermined time, the information is kept in a pending state without confirming the transaction, and within a valid period (for example, one day) The validity confirmation is not confirmed and the user can be notified and the pre-processing result can be canceled. The electronic money transaction system of the present invention can prevent the settlement error due to the error of the transaction data by performing the change and settlement of the electronic money to the shop based on the effective transaction table generated in the exchange server 300.

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, . Therefore, it should be understood that the above-described embodiments are illustrative in all aspects and not restrictive. The scope of the present invention is defined by the appended claims rather than the detailed description and all changes or modifications derived from the meaning and scope of the claims and their equivalents are to be construed as being included within the scope of the present invention do.

100: computer device 200: communication network
300: Exchange server 400: POS terminal
310: database 312: main memory
314: auxiliary memory 320: CPU
322: ALU 324: Register
326: controller 340: input device
350: Output device 361: API
362: High level command processing unit
370: Application module control unit 380: Application module
371: customer information management module mapping section
372: customer information management module interface unit
373: Electronic money management module mapping section
374: Electronic money management module interface part
375: transaction history management module mapping section
376: transaction history management module interface unit
381: customer information management module 382: electronic money management module
383: transaction history management module 392: interface layer
394: Database Hierarchy

Claims (18)

A method for intermediating a transaction of an electronic money in cooperation with a POS terminal of a user's computer apparatus and a shop,
Performing user authentication by receiving user identification information from the computer device of the user;
Providing the user's electronic money information to the user's computer device according to the authentication result;
Receiving an electronic money transaction history between the POS terminal and the user's computer device from the user's computer device;
Changing an electronic money status of the store based on the electronic money transaction details; And
And when the electronic money settlement request is made from the POS terminal, converting the electronic money to be settled into real money according to the market price and remitting the electronic money.
The method according to claim 1,
The electronic money information includes at least one of a name of a user, a type of a user, a user ID, a password, a language, a country code, a telephone number, Customer information including at least one of group affiliation information and affiliation information;
Account information including the user's account address and account code; And
And wallet information including at least one of a customer ID, a use token, a coin type, a wallet address, and balance information based on a user's account code.
The method according to claim 1,
Wherein the electronic money is etherium.
The method according to claim 1,
And the electronic money transaction details are generated using the virtual address of the shop.
The method according to claim 1,
Further comprising: extracting electronic money from the user's computer device.
6. The method of claim 5,
Wherein the step of mining the electronic money comprises: determining whether the computer apparatus has moved to a designated position; And
And determining whether the specified operation has been performed at the designated location.
The method according to claim 1,
Wherein the electronic money information is a plurality of coin information allocated to one user's wallet information.
The method according to claim 1,
Performing preprocessing on the author currency transaction details;
Confirming the validity of the electronic money transaction details; And
And generating an effective transaction table together with transaction confirmation for the validated transaction details.
9. The method of claim 8,
Wherein the validity is confirmed based on transaction data generated at another server or node after a predetermined time has elapsed from the start of the transaction.
9. The method of claim 8,
And changing an electronic money status of the shop using the valid transaction table.
In a method of trading an electronic money in cooperation with a POS terminal of an exchange server and a store,
Performing user authentication by accessing the exchange server and providing user identification information;
Receiving electronic money information from the exchange server according to the authentication result;
Performing an electronic money transaction with the POS terminal using the electronic money information;
Changing the status of the electronic money by transmitting the electronic money transaction result to the exchange server; And
And exchanging the electronic money to the real currency by reflecting the market price.
A method for trading an electronic money in cooperation with a user's computer apparatus and an exchange server,
Receiving electronic money information of a user from the computer apparatus of the user;
Extracting an electronic money price of the item selected by the user;
Generating an electronic money transaction history by subtracting the selected electronic money price from the electronic money information of the user;
Transmitting the electronic money transaction details to the exchange server; And
And exchanging the electronic money to the real currency by reflecting the market price.
A system for mediating transactions of an electronic money in cooperation with a POS terminal of a user's computer apparatus and a shop,
A customer information management module for storing and managing user information;
An electronic money management module for storing and managing electronic money information of the user; And
And a transaction history management module for receiving the electronic money transaction details made between the user's computer device and the POS terminal of the shop and forming a block chain including the hash value,
Wherein the electronic money management module exchanges the electronic money to be settled with the real money according to the market price when the electronic money management request is received from the POS terminal.
In a system for trading an electronic money in cooperation with a POS terminal of an exchange server and a shop,
A customer information management module for storing and managing user information;
An electronic money management module for storing and managing electronic money information of the user; And
And a transaction history management module that performs transactions with respect to goods through electronic money on the POS terminal of the shop and stores and manages transaction details,
And the electronic money management module exchanges the electronic money with the exchange server according to the market price.
A system for trading electronic money in cooperation with a user's computer apparatus and an exchange server,
A shop information management module for storing and managing information of a shop;
An electronic money management module for storing and managing electronic money information of the shop; And
And a transaction history management module for performing transaction of the user's computer device and goods with electronic money, and storing and managing transaction details,
And the electronic money management module exchanges the electronic money with the exchange server according to the market price.
In an exchange server for interchanging transactions of electronic money in cooperation with a POS terminal of a user's computer apparatus and a shop,
Performing user authentication by receiving user identification information from the computer device of the user;
Providing the user's electronic money information to the user's computer device according to the authentication result;
Receiving an electronic money transaction history between the POS terminal and the user's computer device from the user's computer device;
Changing an electronic money status of the store based on the electronic money transaction details; And
And an electronic money transaction program stored in the medium for performing the step of exchanging the electronic money to be settled to the real money and remitting the electronic money to be settled when there is an electronic money settlement request from the POS terminal.
In a computer device that trades an electronic money in cooperation with an exchange server and a POS terminal of a shop,
Performing user authentication by accessing the exchange server and providing user identification information;
Receiving electronic money information from the exchange server according to the authentication result;
Performing an electronic money transaction with the POS terminal using the electronic money information;
Changing the status of the electronic money by transmitting the electronic money transaction result to the exchange server; And
An electronic money transaction program stored in the medium for performing the step of exchanging the electronic money to the real money in response to a quotation.
In a POS terminal that deals electronic money in cooperation with a user's computer device and an exchange server,
Receiving electronic money information of a user from the computer apparatus of the user;
Extracting an electronic money price of the item selected by the user;
Generating an electronic money transaction history by subtracting the selected electronic money price from the electronic money information of the user;
Transmitting the electronic money transaction details to the exchange server; And
An electronic money transaction program stored in the medium for performing the step of exchanging the electronic money to the real money in response to a quotation.
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