KR20170142374A - System And Method For Remitting Cyber Money - Google Patents

System And Method For Remitting Cyber Money Download PDF

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Publication number
KR20170142374A
KR20170142374A KR1020160075722A KR20160075722A KR20170142374A KR 20170142374 A KR20170142374 A KR 20170142374A KR 1020160075722 A KR1020160075722 A KR 1020160075722A KR 20160075722 A KR20160075722 A KR 20160075722A KR 20170142374 A KR20170142374 A KR 20170142374A
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KR
South Korea
Prior art keywords
remittance
bit
coin
exchange
bit coin
Prior art date
Application number
KR1020160075722A
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Korean (ko)
Inventor
박판근
Original Assignee
주식회사 킹홀딩스
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Publication date
Application filed by 주식회사 킹홀딩스 filed Critical 주식회사 킹홀딩스
Priority to KR1020160075722A priority Critical patent/KR20170142374A/en
Publication of KR20170142374A publication Critical patent/KR20170142374A/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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
    • 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
    • G06Q20/065Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • 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
    • 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
    • G06Q20/381Currency conversion
    • 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04Exchange, e.g. stocks, commodities, derivatives or currency exchange

Abstract

The present invention relates to a remittance system using virtual currency and a method thereof. Specifically, for a system which processes remittance transactions in offline and online by bitcoins, the system comprises: a bittron (130) which remits bitcoins corresponding to a remittance amount according to a remittance request from a user, and at the same time, searches bitcoin market prices in exchanges in real time, sells bitcoins to an exchange having the highest market price and makes a profit by arbitrage; an exchange network (140) which comprises a plurality of exchange servers (141-144) which are connected to the bittron (130) to provide market price information on bitcoins, and to sell and buy bitcoins, and provide account information on a remitter and a receiver for the bittron (130) according to a remittance request; and user terminals (110, 120) which are connected to the bittron (130) to provide the remittance request from a user, and a process for the remittance for the user. The present invention remits by bitcoins, such that transactions are quick and stable at a low commission, and user satisfaction can be increased. In addition, the present invention uses a security system based on a block chain in a remittance process, such that transactions can be protected from hacking and be transparent.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a remittance system using virtual money,

More particularly, the present invention relates to a remittance system and method using a virtual money, which is simpler, quicker, and safer than a conventional remittance system by transmitting money to a third party by bit coin.

'Fintech' is a term that refers to a service that combines 'finance' and 'technology' as the name suggests, or a company that provides such services, where technology is information technology (IT).

Bitcoin is not a currency used in real life, but a virtual currency used for online transactions. In 2008, an unknown person named "Satoshi Nakamoto" monopolized monetary policy by monetary authorities in each country, It is known to have been devised as a rebound against, and began to be used in 2009.

Bitcoin was released as an open source application of the MIT license, which is a pay-as-you-go operating system that solves the most difficult math problems presented by computers. In other words, bitcoin is open to programming schematics like Linux, which is a computer operating system (OS), so any developer can participate in programming upgrades.

The conventional technology using various types of virtual money will be described as follows.

Korean Patent Laid-Open No. 10-2008-0040289 (titled 'Electronic money and point linkage system and method, and recording medium therefor, hereinafter abbreviated as' Prior Art 1') is a system and method for linking electronic money, Media, in which two or more types of cyber money (for example, fans and points) are issued at a single site, and usage restrictions and benefits are separately applied according to the characteristics of each cyber money, .

The electronic money and point connection method according to the related art 1 includes the steps of storing predetermined electronic money and at least two types of exchange rate weight information used in a specific web site in a predetermined information storage unit in a predetermined storage medium, A step of receiving point selection information to be exchanged from a customer to electronic money owned by the customer in a predetermined information receiving means; and a step of receiving, from a predetermined information checking means, the selected currency exchange request in association with the storage medium (or storage medium operating means) Confirming the kind of the target point, confirming the confirmed point type and the exchange rate weight information between the electronic money, and applying the confirmed exchange weights in the predetermined exchange means to exchange the electronic money value with the selected point value And a point linkage system and method for electronic money including the step And restricts the media.

According to the prior art 1, a point accumulated in a client is classified into an action point, a reward point, an affiliation point, an advertisement point and a marketing point according to the behavior of the client, and a point corresponding to each client action is accumulated in the client , There is an advantage of inducing the client to actively participate in point burnout by differentiating the client from the advantage of point attraction and the point requirement.

Korean Patent Laid-Open No. 10-2001-0103406 entitled " Cyber Money Integrated Processing System via Virtual Money Issuance and Transactions (hereinafter abbreviated as " Prior Art 2 ") discloses offline transactions and electronic transactions To a cyber money integration system for integrating and processing cyber money, mileage, points (hereinafter referred to as cyber money CM) derived by commercial transactions into a virtual money PM (potential money) according to the present invention.

The above-mentioned prior art 2 has the effect of increasing the economic effect even if the customer has the cyber money provided by his / her member company, but can be targeted to all the member companies who have joined the integrated system.

However, conventionally, points are awarded to members as a bonus according to transaction or sale of goods through point accumulation companies such as Internet shopping malls, banks, card companies, and transaction performance or events using services, and members exchange points for cyber money It is difficult for a company to generate other profits in addition to generating revenue from transactions, sales, or use.

Korean Patent Publication No. 10-2008-0040289 Korean Patent Publication No. 10-2001-0103406

SUMMARY OF THE INVENTION Accordingly, the present invention has been made to solve the above-mentioned drawbacks of the prior art, and it is an object of the present invention to provide a method and apparatus for transmitting remittance money to a third party by bit coin, The present invention provides a remittance system and method using a virtual currency for purchasing a bit coin with the deposited currency, searching for bit coin exchanges in real time, and generating revenue by selling the purchased bit coin to the exchange having the highest quotation.

In order to accomplish the above object, the present invention provides a system for processing a remittance transaction through offline and online using a virtual money, wherein a bit coin corresponding to a remittance amount is remitted in response to a remittance request of a member, (Hereinafter abbreviated as "bitron") which includes an operating program for searching for a bit coin quotation and selling a bit coin to the most traded exchange to generate a profit as profit, A plurality of exchange servers for processing quotation information of coins and purchase and sale of bit coins and providing account information of remitter and remittee according to the remittance request to the bit loan; And a user terminal for providing the member with a processing procedure according to the remittance.

Means for transferring the exchanged bit coin to an account of the recipient; means for connecting to the exchange network to transmit a bit coin quotation for a plurality of exchanges; Means for checking the lowest exchange in real time and purchasing a bit coin corresponding to the amount of remittance; means for connecting to the exchange network and checking in real time the exchanges having the highest bit coin rates for a plurality of exchanges, A means for processing a commission according to the remittance and a market profit according to the bit coin sale as a profit and a means for providing a web page according to bit coin transfer, purchase and sale to a user terminal .

In order to achieve the above-mentioned object, the present invention provides a method of managing an information exchange, comprising the steps of: registering a member's exchange, an account and a password; confirming a deposit amount with respect to a remittance request of a member; And receiving a bit coin corresponding to the remittance amount to the remittee account and simultaneously checking a bit coin quotation in an exchange network in real time to purchase a bit coin equivalent to the remittance amount at an exchange having the lowest commodity price The method includes the steps of: confirming receipt of the remitted bit coin by the remittee, completing the remittance operation, selling the purchased bit coin to the exchange with the highest price by checking the bit coin market in real time on the exchange network, The commission based on the remittance and the market profit due to the sale of the bit line are acquired as revenues It is preferable to carry out, including the total.

The present invention makes the remittance a bit coin, so that it can be performed quickly and stably with a low commission, thereby satisfying the satisfaction of the user.

Further, the present invention can achieve a safe and transparent transaction from hacking by using a block chain-based security system in the remittance process.

Further, the present invention can eliminate the inconvenience and risk associated with cash holdings by making the deposit and withdrawal a bit coin.

1 is a block diagram of a remittance system according to an embodiment of the present invention;
Figure 2 is a block diagram of a bitron in Figure 1;
3 is a flow chart of the operation of the remittance method in the embodiment of the present invention.
4 is an exemplary view of a screen of a user terminal according to an embodiment of the present invention.
FIG. 5 is a diagram illustrating an example of a profit generation process according to an embodiment of the present invention; FIG.

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

In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail.

Currently, various virtual currencies are presented, but in the present invention, bit coin will be described as an example.

As shown in the block diagram of FIG. 1, the embodiment of the remittance system for virtual currency according to the present invention includes an operating program for integrally processing purchase, sale, and exchange of virtual coin bits coins in response to a remittance request of a member A bit line 130 as a system and a bit line 130 to provide bid information of bit coins and purchase and sell of bit coins and to provide account information of remitter and remittee according to the remittance request An exchange network 140 including a plurality of exchange servers 141 to 144 provided to the bitron 130 and an exchange network 140 connected to the bitron 130 for requesting a member to transfer money, And a user terminal 110 (120) that provides the user terminal 110 with a service.

In the embodiment of the present invention, the user terminal 110 is a sender's terminal and the user terminal 120 is a recipient's terminal.

The user terminals 110 and 120 may use one of a mobile terminal and a desktop computer such as a smart phone, a notebook, and a tablet PC.

As shown in the block diagram of FIG. 2, the bitron 130 includes a currency conversion processor 131 for converting a remittance amount requested by a member into a bit coin, which is a virtual currency, and a currency converter 130 for converting the converted bit coin into an account of the recipient A plurality of exchanges 141 to 144 of the exchange network 140 are searched in real time and an exchange having the lowest bit coin market price is identified to purchase a bit coin corresponding to the remittance amount, A coin selling unit 134 for searching for a plurality of exchanges 141 to 144 of the exchange network 140 in real time and checking the exchanges having the highest bit coin quotes and selling the purchased bit coins, A revenue processing unit 135 for processing a commission due to the remittance and a market profit according to the bit coin sale as a profit, a web processing unit 136 for providing a site page to the user terminal 110, An information storage unit 137 for storing member information and transaction information, and a control unit 138 for controlling the units 131 to 137 for exchange of money, purchase, sale, and profit processing of bit coins .

As shown in the flowchart of FIG. 3, the virtual money transfer method according to the present invention includes the steps of registering a member's exchange, an account and a password, confirming a deposit amount with respect to a remittance request of a member, The method comprising the steps of: acquiring remittance-related information (remittance amount and remittee account) when the remittance amount is confirmed; remitting the bit coin corresponding to the remittance amount to the remittee account, The method comprising the steps of: (a) purchasing a bit coin for a remittance amount; (b) completing a remittance operation by confirming receipt of the remitted bit coin by the remittee; Selling a coin, and calculating a commission based on the remittance and a market profit due to bit line selling The step of acquiring the profit is performed in the bit line 130.

The operation and operation effect according to the embodiment of the present invention will now be described with reference to FIGS. 4 and 5. FIG.

4 is a view illustrating a screen displayed on the user terminal 110 at the time of remittance according to an embodiment of the present invention, and FIG. 5 is a diagram illustrating a process of generating a profit through bit coin selling in the embodiment of the present invention .

The remitter first accesses the bitron 130 to the user terminal 110 to proceed with the remittance through the bitron 130, and registers the member information and the exchange information with which the user himself / herself is registered.

When the user terminal 110 initially accesses the bitron 130, the web processing unit 136 provides a user registration screen as shown in FIG. 4A to the user terminal 110. The remitter receives an account, You will be asked to enter a password for the account. When the account assignment and the password input are completed as described above, the web processing unit 136 provides the exchange information registration screen as shown in FIG. 4B to the user terminal 110. The remitter transmits the exchange account, email address, and password . The account, the inputted password, the exchange account, the e-mail address and the password allocated in the above are recorded in the information storage unit 137 by the control unit 138.

Accordingly, the control unit 138 accesses the exchange network 140 through the web processing unit 136 to check whether the member's account exists in the exchange registered by the member.

If the user wants to remit money afterwards, the remitter connects the user terminal 110 to the bitron 130 to perform member authentication. If the remittee succeeds in authentication, if the remittee icon is selected from the web page provided by the web processor 136, The controller 136 provides the wallet information screen as shown in FIG. 4C to the user terminal 110. At this time, the wallet information screen displays the information of the wallet information without the information such as the deposit amount.

When the transaction password is input on the wallet information screen and the wallet information fetching button is pressed, the web processing unit 136, which is controlled by the control unit 138, accesses the exchange network 140 and obtains the remittance amount of the remitter from the exchange of the account registered by the remitter And provides the wallet information screen as shown in FIG. 4C to the user terminal 110. FIG.

When the remitter selects the remittance icon on the web page displayed on the user terminal 110 after confirming the amount of money deposited in the exchange registered by the remitter, the web processor 136 transmits the remittance information Provides an input screen. At this time, the remittance information input screen displays the remittance amount accumulated in the exchange registered by the remitter, that is, remittable amount.

4E, the web processing unit 136 provides a remittance request confirmation screen to the user terminal 110 as shown in FIG. 4F. When the remittance request button is clicked on the remittance request screen, When the remitter clicks the confirmation button, the web processing unit 136 provides the user confirmation screen to the user terminal 120 as shown in FIG. 4g. At this time, the control unit 138 accesses the exchange network 140 through the web processing unit 136 to check whether the account corresponding to the payee recognition name is registered in the exchange.

Accordingly, when the receiver clicks the confirmation button on the acceptance confirmation screen displayed on the user terminal 120, the control unit 138 causes the exchange processor 131 to transfer the remittance to the corresponding bit coin, and the coin transfer unit 132 transfers the remittance To the recipient's account. ≪ / RTI >

Since the present invention makes the remittance a bit coin as described above, the remittance can be performed quickly and stably with a low commission.

At this time, the coin purchaser 133 controlled by the control unit 138 searches the exchanges 141 to 144 of the exchange network 140 in real time to check the exchanges selling the lowest bit coins, .

5, the bit line 130 searches the exchanges 141 to 144 of the exchange network 140 in real time by the coin selling unit 134 controlled by the control unit 138, The coin purchasing unit 133 checks the exchange where the highest bit coin is purchased and sells the purchased bit coin.

The coin purchasing unit 133 and the coin selling unit 134 perform the purchase and sale of the bit coin based on the FX automatic trading program of the gift option concept.

Accordingly, the profit processing unit 135 processes the profit due to purchase and sale of bit coin corresponding to the commission and remittance amount of the remittance as revenue.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the invention.

110, 120: user terminal 130: Bitron
140: Exchange Network 141 ~ 144: Exchange

Claims (3)

  1. Claims [1] A system for processing a remittance transaction made through offline and online by bit coin,
    A system that incorporates an operating program that sends a bit coin corresponding to a remittance amount according to a member's remittance request and simultaneously searches for a bit coin quotes of the exchanges in real time and sells the bit coin to the most popular exchange A bit-stream as a bit stream;
    A plurality of exchange servers connected to the bit line to process bid and offer information of bit coins and purchase and sale of bit coins and to provide account information of the remitter and remittee according to the remittance request to the bit loan;
    And a user terminal connected to the bitron to provide a member with a remittance request and a process according to the remittance to the member.
  2. The method of claim 1,
    Means for converting the remittance amount requested by the member into a bit coin, which is a virtual currency,
    Means for transferring the exchanged bit coin to an account of the recipient;
    Means for accessing an exchange network to check an exchange having the lowest bit-coin market price in real time for a plurality of exchanges and purchasing a bit coin corresponding to the remittance amount;
    Means for connecting to the exchange network and checking the exchanges having the highest bit-coin rates for a plurality of exchanges in real time and selling the purchased bit coins,
    Means for processing a commission on the remittance and a market profit on the bit coin sale as revenue;
    And means for providing a web page according to bit coin transfer, purchase and sale to a user terminal.
  3. Registering the member's exchange, account and password,
    Confirming the deposit amount with respect to the remittance request of the member,
    If the deposit amount is confirmed, the step of acquiring remittance related information (remittance amount, remittee account)
    Transferring the bit coin corresponding to the remittance amount to the remittee account, checking the bit coin price in the exchange network and purchasing the bit coin of the remittance amount,
    Confirming receipt of the remitted bit coin by the remittee, completing the remittance operation,
    Selling the purchased bit coin to the exchange having the highest quotation by confirming the bit coin quotation in the exchange network,
    And a step of acquiring a commission based on the remittance and a market profit according to the bit line sale as a profit.
KR1020160075722A 2016-06-17 2016-06-17 System And Method For Remitting Cyber Money KR20170142374A (en)

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Cited By (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101923943B1 (en) 2018-04-20 2019-02-22 주식회사 클라우드퓨전 System and method for remitting crypto currency with enhanced security
KR102003731B1 (en) 2018-04-20 2019-08-28 주식회사 클라우드퓨전 System and method for protecting crypto currency using virtual machine
KR102003733B1 (en) 2018-04-20 2019-08-28 주식회사 클라우드퓨전 System for protecting crypto currency using separating network
KR102005974B1 (en) 2018-04-20 2019-10-21 주식회사 클라우드퓨전 System and method for protecting electronic contents using virtual machine
WO2019203624A1 (en) * 2018-04-20 2019-10-24 이청종 Method for indexing domain to digital asset
KR20190121263A (en) 2019-04-17 2019-10-25 강찬고 Security system and method for online trade information
WO2020022746A1 (en) * 2018-07-24 2020-01-30 이청종 Method and system for charging copyright royalty and allocating profit on basis of domain-digital asset linkage
KR102088841B1 (en) * 2019-01-03 2020-03-13 최기재 Payment system of commerce using cryptocurrency and payment methods using the same
KR102091349B1 (en) 2019-05-07 2020-04-24 주식회사 코인원 Method for processing transaction via exchange system

Cited By (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101923943B1 (en) 2018-04-20 2019-02-22 주식회사 클라우드퓨전 System and method for remitting crypto currency with enhanced security
KR102003731B1 (en) 2018-04-20 2019-08-28 주식회사 클라우드퓨전 System and method for protecting crypto currency using virtual machine
KR102003733B1 (en) 2018-04-20 2019-08-28 주식회사 클라우드퓨전 System for protecting crypto currency using separating network
KR102005974B1 (en) 2018-04-20 2019-10-21 주식회사 클라우드퓨전 System and method for protecting electronic contents using virtual machine
WO2019203624A1 (en) * 2018-04-20 2019-10-24 이청종 Method for indexing domain to digital asset
WO2020022746A1 (en) * 2018-07-24 2020-01-30 이청종 Method and system for charging copyright royalty and allocating profit on basis of domain-digital asset linkage
KR102088841B1 (en) * 2019-01-03 2020-03-13 최기재 Payment system of commerce using cryptocurrency and payment methods using the same
KR20190121263A (en) 2019-04-17 2019-10-25 강찬고 Security system and method for online trade information
KR102091349B1 (en) 2019-05-07 2020-04-24 주식회사 코인원 Method for processing transaction via exchange system

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