KR20190014378A - Method of card payment using virtual currency - Google Patents

Abstract

According to the present invention, a method of performing card payment by a virtual money exchange server using virtual money in a system including a card company server and the virtual money exchange server comprises the steps of: receiving a payment request of a card connected to a specific electronic wallet from the card company server and a request for determining whether a payment is possible, wherein the payment request amount is indicated in units of real money inquiring a virtual money balance of the electronic wallet and the virtual money balance is displayed in units of the virtual money; comparing the payment request amount with the virtual currency balance to determine whether the payment is possible; and notifying the card company server of the result of determination in the step of determining whether the payment is possible. The step of determining whether the payment is possible includes the following steps of unifying the payment request amount and the virtual currency balance in units of the same money and determining whether the amount obtained by multiplying the virtual money balance by a variable rate of supplementation which is a predetermined ratio is larger than the payment request amount.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a virtual payment method,

BACKGROUND OF THE INVENTION 1. Field of the Invention [0002] The present invention relates to a method of performing card settlement using virtual money, and more particularly,

Recently, virtual money based on the Internet has been proposed, which can replace real money. Conventionally, although there exist various types of virtual money that can be used on the Internet, the recently proposed virtual money is characterized in that there is no separate central issuing entity based on blockchain technology. These types of virtual currency include Bitcoin and Ethereum, among which Bitcoin is the most widely known and used.

It is a digital virtual currency initiated by Satoshi Nakamoto's paper in 2009. It is made up of a distributed database based on a block chain and performs transactions based on public key cryptography.

In recent years, it has become possible to use these virtual currencies not only for online transactions but also for transactions that purchase real goods or services. This is because, when virtual money is widely spread and money is guaranteed to a certain level or more, sellers of goods or services start to receive virtual money instead of real money.

However, the seller who still receives virtual currency is very limited. The reason is that the virtual money can be easily converted into real money, but the value of the virtual money is fluctuated in real time and the fluctuation width is considerably large. In addition, there is a problem that a seller has to build a dedicated system for trading using such virtual money.

Therefore, there is a need for a method of canceling the loss concern due to the change in the value of the above-mentioned virtual price charged by the seller, and performing a virtual currency transaction using a payment network such as a credit card which has been widely deployed .

A problem to be solved by the present invention is to provide a method for performing card settlement using virtual money.

Another problem to be solved by the present invention is to provide a method of performing card settlement using a virtual currency by paying a card price to a merchant (merchant) in real money to eliminate the risk of real-time price fluctuation of the virtual currency.

Another object of the present invention is to provide a method of performing card settlement using a virtual currency that calculates a settlement limit in consideration of real-time price fluctuation of virtual currency.

According to another aspect of the present invention, there is provided a method for performing card settlement using a virtual currency, the method comprising: receiving, by a virtual money exchange server, The method comprising the steps of: receiving from the card issuer server a request for determining a payment request amount and a payment possibility of a card connected to a specific electronic wallet, the payment request amount being displayed in units of real money; The virtual money balance being displayed in units of the virtual currency; comparing the payment request amount with the virtual money balance to determine whether payment is possible; and determining whether the payment is possible or not And notifying a result of the determination of the step of determining whether or not the payment can be made The monetary settlement amount and the virtual money balance are unified in the same denomination, and it is determined whether the amount of the virtual money balance multiplied by the variable complementary rate, which is a predetermined ratio, is greater than the settlement request amount.

In one embodiment of the present invention, the unification of the settlement request amount and the virtual currency balance in the same denomination may be performed by changing the settlement request amount in units of the virtual currency, or changing the virtual currency balance to the real money In units of < / RTI >

In one embodiment of the present invention, in the unification of the settlement request amount and the virtual money balance in the same denomination, the conversion rate of the virtual money and the real money at the time of unification can be applied.

In one embodiment of the present invention, the variable complement rate may be greater than zero and less than one.

In one embodiment of the present invention, the variable supplement rate may be a rate determined based on a change in the conversion rate of the virtual currency and the real currency.

In one embodiment of the present invention, if the fluctuation rate of the conversion rate of the virtual currency and the real currency is increased, the fluctuation supplement rate is also increased, and if the fluctuation rate of the conversion rate of the virtual currency and the real currency is small, .

In one embodiment of the present invention, the step of determining whether the payment is possible may further include the step of determining the variable supplement rate.

In one embodiment of the present invention, the step of determining the variable supplement rate may include receiving information on the conversion rate of the virtual currency and the real currency, calculating a conversion rate from the information on the conversion rate of the virtual currency and the real currency, And determining the variable supplement rate based on the variable magnitude.

The method may further include the step of receiving a request to sell virtual money in a quantity corresponding to the settlement request amount from the card issuer server when it is determined in the step of determining whether the settlement is possible can do.

In one embodiment of the present invention, the method may further include notifying the card issuer server of completion of sale of the virtual money in response to the sale request.

In an embodiment of the present invention, the method may further include selling the amount of virtual money corresponding to the settlement request amount in the electronic wallet.

In one embodiment of the present invention, the conversion rate of the virtual currency and the real currency applied in the step of selling the virtual currency and the conversion rate of the virtual currency, the virtual currency, May be different.

In one embodiment of the present invention, the method may further include transmitting the selling proceeds to the card company in selling the virtual currency.

In one embodiment of the present invention, the virtual currency may use a virtual currency which is at least one of bit coin or etherium.

In one embodiment of the present invention, the method may further include notifying the card issuer server of the amount of virtual money corresponding to the settlement request amount.

In an embodiment of the present invention, the method further includes receiving information that the user of the card has confirmed that the user of the card has paid the payment amount by selling the quantity of the virtual money corresponding to the payment request amount .

A method of performing card settlement using a virtual currency according to an embodiment of the present invention can eliminate a risk due to real-time price fluctuation of virtual money in a seller's position by paying the card money to the seller (merchant) in real money .

Also, the method of performing card settlement using the virtual currency according to an embodiment of the present invention can calculate the settlement limit considering the real-time price fluctuation of the virtual currency.

FIG. 1 schematically shows a system configuration in which a method for performing card settlement using a virtual currency is performed according to an embodiment of the present invention.
2 is a flowchart illustrating a method of performing card settlement using a virtual currency according to an embodiment of the present invention.
FIG. 3 shows a step of receiving a request to determine a settlement request amount and a settlement possibility, and a step of inquiring a virtual money balance.
4 is a flowchart for explaining the detailed steps of the step of determining whether or not a payment can be made.
FIG. 5 shows that the step of informing the result of determination and the quantity of virtual money to be sold is performed.
FIG. 6 shows the steps of receiving a request to sell virtual money, selling virtual money, notifying completion of sale, and delivering a sale price.
FIG. 7 is a block diagram of a system in which a method for performing card settlement using virtual currency according to another embodiment of the present invention is performed.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. In describing the present invention, if it is judged that it is possible to make the gist of the present invention obscure by adding a detailed description of a technique or configuration already known in the field, it is omitted from the detailed description. In addition, terms used in the present specification are terms used to appropriately express the embodiments of the present invention, which may vary depending on the person or custom in the relevant field. Therefore, the definitions of these terms should be based on the contents throughout this specification.

Hereinafter, a method of performing card settlement using a virtual currency according to an embodiment of the present invention will be described with reference to FIGS. 1 to 6 attached hereto.

FIG. 1 schematically shows a system configuration in which a method for performing card settlement using a virtual currency is performed according to an embodiment of the present invention.

Referring to FIG. 1, a system in which a method for performing card settlement using virtual money is performed includes a card issuer server 100, a payment terminal 200, and a virtual money exchange server 300. The card issuer server 100, the payment terminal 200, and the virtual money exchange server 300 may be connected to each other through a communication network such as the Internet. The communication network includes both wired and wireless communication. For example, the communication network may be composed of various communication networks such as a local area network (LAN), a metropolitan area network (MAN), and a wide area network (WAN).

The payment terminal 200 may be a terminal operated by a card user to pay. The user terminal 200 may be a device such as a smart phone, a tablet computer, a PDA device, a wearable device wearable on the body, a multimedia player, and the like, and has a function to be connected to a communication network such as the Internet.

The user terminal 200 is provided with a function of supporting card settlement of a card user. The function for supporting card settlement may be installed from the beginning in the user terminal 200 or may be provided by an application downloaded from the Internet or the like installed by the user. Specifically, an application downloaded and installed by a user on the Internet can be an application card payment application.

The card issuer server 100 is a server apparatus that processes various jobs for card settlement and stores related databases. The card issuer server 100 may be operated by a card issuer or a separate entity that performs settlement or may be a program in a virtual money exchange server. The card issuer server 100 may determine whether or not payment is possible, determine whether payment is approved, approve payment, and request the sale of virtual money. Various tasks of the card issuer server 100 will be described in more detail below.

The virtual money exchange server 300 is a server apparatus that performs transaction work for switching between virtual money and real money. The virtual money exchange server 300 may perform a transaction task of mutually converting at least one kind of virtual money, at least one kind of virtual money, and real money. Hereinafter, for convenience of the invention, And a server apparatus that performs transaction work for switching a specific kind of real money to each other. In the following example, the virtual currency is a bit coin, and the real currency is Korean won (KRW). However, the present invention is not limited to this kind of virtual money or real money.

The conversion rate of the virtual currency and the real currency can be changed in real time through the virtual currency exchange server 300. [ The conversion rate between virtual currency and real currency can be determined by buying and selling orders of trading participants. The virtual money exchange server 300 may be operated by a virtual money exchange.

If the virtual currency is implemented by a block chain, the virtual currency exchange can participate as a participant in the block chain system. Also, a trader who trades virtual currency in a virtual currency exchange can participate as a participant in the block chain system. However, in some cases, a trader who trades a virtual currency at a virtual currency exchange may not only participate as a participant in a block chain, but also create and retain a virtual currency account through the exchange. An account of a virtual currency is also called an electronic purse.

In order to perform card settlement using virtual currency, the card user must have a virtual currency account that can trade and hold virtual currency in the virtual currency exchange. If the virtual currency is implemented by a block chain, the card user may participate as a participant in the block chain system, as described above, or may only generate and maintain a virtual money account through the exchange without participating as a participant in the block chain .

In order to make a payment using a virtual currency, the card to be paid must be connected to the account of the virtual currency. The fact that the card is connected to the account of the virtual currency means that the card issuer server 100 stores the user's card information and the user's virtual currency account information in association with each other. To this end, the user may provide his / her card information and his / her virtual money account information in advance to the card issuer server 100 in advance.

The virtual currency exchange server 300 may inquire the virtual money balance of the electronic wallet arbitrarily or with the consent of the holder of the electronic wallet. And may transmit the determined result based on the virtual money balance of the electronic wallet to the card issuer server 100.

2 is a flowchart illustrating a method of performing card settlement using a virtual currency according to an embodiment of the present invention.

Each of the steps described below are the steps performed by the virtual money exchange server 300 in the above-described system.

Referring to FIG. 2, a method of performing card settlement using a virtual currency according to the present invention includes receiving a request for a settlement request amount and a settlement possibility (S100), inquiring a virtual money balance (S200) (S400), a step S 500 of receiving a request to sell virtual money, a step S600 of selling virtual money, a step S 300 of selling virtual money, A step S700 of notifying the completion of the sale, and a step S800 of transmitting a selling price.

The steps of some of the listed steps may be omitted or replaced with other similar functions. In addition, the listed steps are not necessarily executed sequentially according to the listed order, and the order to be performed may be changed when there is no special condition constrained to the following relation.

FIG. 3 illustrates a step S100 of receiving a request for a settlement request amount and a determination of a settlement possibility, and a step S200 of inquiring a virtual money balance.

Hereinafter, each of the above steps will be described in detail.

In step S100, the virtual money exchange server 300 receives a request for determining the payment request amount and the payment request amount of the card connected to the specific electronic wallet from the card issuer server to be.

Before step S100 is performed, step S90 may be performed in which the card issuer server 100 receives a payment request from the payment terminal 200. [ Here, the payment request amount of the card user means an amount of money the card user wants to settle through the card payment.

The card issuer server 100 should determine whether the settlement request amount received from the payment terminal 200 can be paid in the electronic wallet connected to the card. Accordingly, the card issuer server 100 transmits a request for determining the settlement request amount and the payment possibility to the virtual money exchange server 300, and the virtual money exchange server 300 receives the request. Here, the planned amount of money is expressed in units of real money.

In step S200, the virtual money exchange server 300 inquires the virtual money balance of the electronic wallet specified in step S100. Information on the virtual money balance of the electronic wallet may be stored in the virtual money exchange server 300 or in another server accessible to the virtual money exchange server 300. [ The virtual money exchange server 300 can acquire the consent of the holder of the electronic wallet in advance in order to inquire the virtual money balance of the specified electronic wallet. The balance of virtual currency is displayed in units of virtual currency.

The virtual money balance queried in step S200 is used as a basis for determination in step S300 of determining whether or not the payment is possible. In some cases, the inquired virtual money balance is transmitted to the card issuer server 100 and the card issuer server 100 may determine whether or not the payment can be made. Hereinafter, the inquired virtual money balance is temporarily or permanently stored in the virtual money exchange server 300, and only the virtual money exchange server 300 judges whether or not the payment can be made.

4 is a flowchart for explaining the detailed steps of step S300 of determining whether or not a payment can be made.

When the virtual money exchange server 300 completes the step S200 of inquiring about the virtual money balance, the step of determining whether payment is possible (S300) is performed.

Step S300 of determining whether or not the payment is possible is to unify the settlement request amount and the virtual money balance in the same denomination and judge whether or not the amount obtained by multiplying the virtual money balance by the variable complementing ratio which is a predetermined ratio is larger than the settlement request amount .

Referring to FIG. 4, the step S300 of determining whether or not a payment can be made includes a step S310 of determining a variable supplement rate, a step S320 of unifying the settlement request amount and the virtual money balance in the same denomination, (S330) whether the payment can be made in consideration of the rate.

First, the variable supplement rate will be described.

A method of performing card settlement using a virtual currency according to the present invention is to settle an amount denoted by a unit of real money using a virtual money balance of the electronic wallet. In this case, the card user can settle within the virtual currency balance. In the method of performing card settlement using a virtual currency, it is necessary to determine whether settlement can be made only if the settlement request amount to be paid is within the virtual money balance.

However, the conversion rate between virtual currency and real currency varies in real time. This means that if the value of the virtual money balance is expressed in real money, the value changes in real time. Therefore, the value of virtual money may fluctuate between when the payment is approved and when the actual virtual money is sold according to the settlement. If the value of the virtual currency evaluated in the real currency unit falls between the above points, the limit of payment can be reduced. Therefore, the limit of settlement should be calculated considering the value change of this virtual money.

Therefore, in the method of performing card settlement using the virtual currency of the present invention, the variable supplement rate is considered in determining the settlement limit based on the virtual money balance. The volatility supplement rate is a discount rate that discounts the actual settlement limit rather than the value of the virtual currency at the present time, considering the change of the conversion rate of the virtual currency and the real currency.

Thus, the variable complement rate is the rate multiplied by the virtual money balance. Since the variable complement rate is a concept of discount rate that discounts the value of the virtual money balance, it is preferable to be larger than 0 and smaller than 1.

In some cases, instead of the above-described variable supplemental rate, the converted variable rate supplemental rate concept may be used. The transformed complementary rate is the concept of the rate of increase in the amount of the payment request. The variable complementary rate is inversely related to the converted variable complementary rate. Therefore, it is mathematically equivalent to use the transformed complementary rate instead of the variable complementary rate, and it is obvious that this is included in the scope of the present invention. Only the variable complementary rate will be described below.

For example, assuming that the virtual currency balance of the cardholder's electronic wallet is 1-bit coin, and the value of the 1-bit coin is 2,500,000 won as of the present point of view, assuming that the variable supplement rate is 0.95, And so on.

Payment limit = 1 (bit coin) * 2,500,000 (won / bit coin) * 0.95 = 2,375,000 (won)

Therefore, in the above example, the card user can only settle a card up to 2,375,000 won despite having a balance of virtual money equivalent to 2.5 million won at the present time.

The virtual money exchange server 300 can set the variable supplement rate to a predetermined value. In addition, the virtual money exchange server 300 can set the variable supplement rate based on the change in the conversion rate of the virtual money and the real money. For example, when the fluctuation of the conversion rate of the virtual currency and the real currency is increased, the variation supplement rate is increased. When the variation range of the virtual currency and the real currency is decreased, the variation supplement rate is also decreased. Specifically, for example, if the index indicating the fluctuation range of the virtual currency and the real currency during the predetermined period is 20, the variable supplement ratio can be set to 0.96, and the index indicating the variation range of the virtual currency and the real currency during the same period Is 50, the variable complementary ratio can be set to 0.92.

It is also possible to set the fluctuation supplement rate to a smaller value when the fluctuation trend of the virtual currency is increasing and to set the fluctuation supplement rate to a larger value when the fluctuation trend of the virtual currency is falling. Here, the virtual currency fluctuation trend can be determined by a predetermined judgment algorithm.

In the case where the variable supplement rate is determined based on the variation of the conversion rate of the virtual currency and the real currency, the step of determining the variable supplement rate (S310) includes receiving information on the conversion rate of the virtual currency and the real currency, And determining a variable supplement rate.

The step of receiving information on the conversion rate of the virtual currency and the real currency is a step of receiving information on the conversion rate of the virtual currency and the real currency in real time. The virtual money exchange server 300 can receive information on the conversion rates of virtual money and real money through transaction information traded on the server itself or the Internet.

The step of calculating the variation range of the conversion rate is a step of calculating the variation range of the conversion rate from the information about the conversion rate of the virtual money and the real money. The period for calculating the variation of the conversion rate, and the like can be changed and set variously.

The step of determining the variable supplementing rate is a step of determining the variable supplementing rate based on the variation of the conversion rate. The variation range of the conversion rate and the variation supplement rate can be determined by predetermined rules.

In the step S320 of unifying the settlement request amount and the virtual money balance in the same denomination, the unit is unified to determine whether the amount obtained by multiplying the virtual money balance, which is a predetermined ratio, the variable complementing ratio, is larger than the settlement request amount .

For example, if the balance of the virtual currency of the cardholder's electronic wallet is 1-bit coin and the current value of the 1-bit coin is 2,500,000, then the balance of the virtual currency is changed as follows, It can be unified.

Virtual currency balance = 1 (bit coin) * 2,500,000 (won / bit coin) = 2,500,000 won

In the above example, the balance of the virtual currency is changed to the unit of the real currency, but it is also possible to change the settlement request amount to the unit of the virtual currency.

In the step S330 of determining whether or not the settlement is possible considering the variable supplement rate, it is determined whether the amount of the virtual money balance multiplied by the variable rate of supplementary adjustment, which is a predetermined ratio, to be.

For example, if the virtual currency balance of the cardholder's electronic wallet is 1 bit coin, the value of the 1-bit coin is 2,500,000 won at the present time, the variable supplement rate is determined to be 0.95, and if the settlement request amount is 2,200,000, The server 100 compares the settlement limit of 2,375,000 won with the settlement request amount of 2,200,000 won. In the above example, since the settlement limit is larger than the settlement request amount, it is determined that settlement is possible.

On the other hand, for example, if the balance of the virtual currency of the card user is 0.1-bit coin, and the value of 1-bit coin is 2,500,000 won based on the current point of view and the variable supplement rate is determined to be 0.90, the settlement limit becomes 225,000 won . In this case, when the settlement request amount is 230,000, the card company server 100 compares the settlement limit of 225,000 won with the settlement request amount of 230,000 won. In the above example, since the payment limit is smaller than the payment request amount, it is determined that payment is impossible.

FIG. 5 shows that the step S400 of notifying the determination result and the quantity of the virtual currency to be sold is performed.

Hereinafter, the above steps will be described in detail.

The virtual money exchange server 300 informs the card issuer server 100 of the determination result of step S300 of determining whether payment is possible in step S400 of notifying the determination result and the quantity of the virtual currency to be sold. In addition, the virtual money exchange server 300 can notify the card issuer server 100 together with the quantity of the virtual money to be sold when payment is made according to the determination result.

For example, if a 1-bit coin has a real currency conversion rate of 2,500,000 (won / bit coin) and the payment request amount is 2,200,000, if the card user continues the payment, the coin of about 0.88 bits is sold The credit card company 100 can be notified that it will be paid in cash.

The quantity of the virtual money to be sold may be transferred from the card issuer server 100 to the payment terminal 200 again (S410). The card user confirms the quantity of the virtual money to be sold displayed on the payment terminal 200 and signs it (S420). The card issuer server 100 may notify the virtual money exchange server 300 that payment has been approved by a card user's signature or the like (S430).

The quantity of the virtual money to be notified in step S400 may be different from the quantity of the virtual money to be finally sold. This is due to the change in the conversion rate between virtual money and real money. For example, if the settlement request amount is 2,200,000, the real money conversion rate of 1-bit coin is 2,500,000 (won / bit coin) at the time when the step S400 is performed, but then the actual virtual money sale step S600 At the time of execution, when the real currency conversion rate of 1-bit coin is 2,400,000 (won / bit coin), about 0.9167 bit coin can be actually sold.

6 is a flowchart illustrating a process of receiving a virtual money sale request (S500), selling virtual money (S600), notifying completion of sale (S700), and transferring a selling price (S800) It is.

Hereinafter, each of the above steps will be described in detail.

In operation S500, the virtual money exchange server 300 receives a request to sell a virtual money amount corresponding to the settlement request amount from the card issuer server 100.

For example, when the payment amount approved by the credit card company server 100 is 2,200,000, the credit card company server 100 will sell the virtual money corresponding to 2,200,000 won in the electronic wallet of the card user to the virtual money exchange server 300 It is a request. The virtual money exchange server 300 receives the request and inputs a purchase order for selling virtual money corresponding to 2,200,000 won.

In the step S600 of selling the virtual money, the virtual money exchange server 300 sells a quantity of the virtual money corresponding to the amount of the payment request in the electronic wallet of the card user. The step S600 may be performed in correspondence with the step S500 or if it is judged that payment can be made in the step S300 of judging whether payment is possible without requesting a separate card company server 100 The money exchange server 300 may perform step S600.

The conversion rate of the virtual currency and the real currency applied in the step of determining the payment possibility (S300) may be different from the conversion rate of the virtual currency and the real currency applied in the step S600 of selling the virtual currency. For example, as described above, in step S300 of determining whether payment is possible, in step S600, where the real currency conversion rate of 1-bit coin is 2,500,000 (won / bit coin) The real currency conversion rate may be 2,400,000 (won / bit coin). Even in this case, a bit coin equivalent to 2,200,000 won (about 0.9167 bit coin) is sold on the basis of the time point when step S600 is performed in the electronic wallet of the card user.

If the decline in the value of the virtual currency does not exceed the fluctuation supplement rate as in the above-mentioned example, it is possible to sell the virtual currency in the quantity corresponding to the approved payment amount.

In step S700, the virtual money exchange server 300 informs the card issuer server 100 of the sale completion of the virtual money in response to the sale request of step S500. The virtual money exchange server 300 may notify the settlement terminal 200 of the completion of the sale of the virtual money (S710).

In step S800, the virtual money exchange server 300 transmits a sale price to the card company server 100 in step S600. The selling price is transmitted as a payment amount of the card settlement approved by the card issuer server 100.

FIG. 7 is a block diagram of a system in which a method for performing card settlement using virtual currency according to another embodiment of the present invention is performed.

The embodiment described with reference to FIG. 7 will be described mainly on the points different from the embodiment described with reference to FIG. 1 to FIG. The present embodiment differs in that the payment terminal 200 is a terminal operated by a seller in a system in which a method of performing card settlement using virtual money is performed.

Referring to FIG. 7, a system in which a method for performing card settlement using virtual money is performed includes a settlement terminal 200, a card issuer server 100, and a virtual money exchange server 300.

Here, the payment terminal 200 may be a terminal operated by a seller (a card merchant) who sells goods or services to a card user. The payment terminal 200 may be, for example, a card payment terminal 200, a POS machine having a card payment function, a tablet computer having a card payment function, or a personal computer. In this case, a card (including a substitute card such as a real card or an app card) connected to the account of the virtual currency is read to the payment terminal 200 of the seller.

According to the method of performing card settlement using the virtual money, the card money is paid to the seller (merchant) in real money, thereby eliminating the risk of real-time price fluctuation of the virtual money in the seller's position. In addition, the settlement limit can be calculated in consideration of the real-time price fluctuation of the virtual currency. Therefore, if the price of the virtual currency does not fluctuate more than the unpredictable level, it is possible to prevent the settlement of the virtual currency from exceeding the balance of the virtual currency.

The embodiments of the method for performing card settlement using the virtual currency of the present invention have been described above. The present invention is not limited to the above-described embodiments and the accompanying drawings, and various modifications and changes may be made by those skilled in the art to which the present invention pertains. Therefore, the scope of the present invention should be determined by the equivalents of the claims and the claims.

100: card company server 200: payment terminal
300: Virtual Currency Exchange Server
S100: Receiving a request for determination of the amount of payment requested and the possibility of payment
S200: inquiring the virtual money balance
S300: Step of judging whether payment is possible
S400: a step of notifying the judgment result and the quantity of the virtual currency to be sold
S500: receiving a request to sell virtual money
S600: Steps to sell virtual currency
S700: Step to notify completion of sale
S800: Steps to transfer the sale price

Claims (16)

In a system including a card company server and a virtual money exchange server, the virtual money exchange server performs a card settlement using virtual money,
Receiving from the card issuer server a request for determining a payment request amount and a payment possibility of a card connected to a specific electronic wallet, the payment request amount being displayed in real money units;
Inquiring the virtual money balance of the electronic wallet, the virtual money balance being displayed in units of the virtual currency;
Comparing the settlement request amount with the virtual money balance to determine whether payment is possible; And
And notifying the card company server of the determination result of the step of determining whether or not the payment is possible,
The method of claim 1,
The virtual money balance is calculated by using the virtual currency to determine whether the amount of the payment request and the virtual currency balance are equal to each other in the same denomination and whether the amount obtained by multiplying the virtual money balance by the predetermined rate, How to make a payment.
The method according to claim 1,
The unification of the settlement request amount and the virtual money balance in a monetary unit of the same type,
Wherein the settlement request amount is changed in units of the virtual currency or the virtual money balance is changed in units of the real currency.
The method according to claim 1,
Wherein the settlement request amount and the virtual money balance are unified in a monetary unit by using a virtual currency to which the conversion rate of the virtual currency and the real currency at the time of unification is applied.
The method according to claim 1,
Wherein the variable surplus rate is greater than zero and less than one.
The method according to claim 1,
Wherein the variable surplus rate is a rate determined based on a change in the conversion rate of the virtual currency and the virtual currency.
6. The method of claim 5,
When the fluctuation rate of the conversion rate of the virtual currency and the physical currency is increased, the variable supplement rate is also increased, and when the variation rate of the conversion rate of the virtual currency and the physical currency is small, How to make a payment.
The method according to claim 1,
Wherein the step of determining whether or not the payment is possible further comprises the step of determining the variable supplement rate.
8. The method of claim 7,
Wherein the step of determining the variable supplement rate comprises:
Receiving information on the conversion rate of the virtual currency and the real currency;
Calculating a variation width from information on the conversion rate of the virtual currency and the real currency; And
And determining the variable supplement rate based on the fluctuation width.
The method according to claim 1,
Further comprising the step of receiving a request for selling a virtual money amount corresponding to the settlement request amount from the card issuer server when it is determined in the step of determining whether or not the payment is possible, How to do it.
10. The method of claim 9,
Further comprising the step of notifying the card company server of the sale completion of the virtual money in response to the sale request.
The method according to claim 1,
And selling the virtual money in the electronic wallet in a quantity corresponding to the settlement request amount.
12. The method of claim 11,
The conversion rate of the virtual currency and the physical currency applied in the step of determining whether or not the payment can be made is different from the conversion rate of the virtual currency and the real currency applied in the step of selling the virtual currency, Lt; / RTI >
12. The method of claim 11,
And transferring the selling proceeds to the card company at the selling of the virtual currency.
The method according to claim 1,
Wherein the virtual currency is at least one of bit coin or etherium.
The method according to claim 1,
Further comprising the step of notifying the card company server of the amount of the virtual money corresponding to the settlement request amount.
16. The method of claim 15,
Further comprising receiving from the card issuer server information indicating that the user of the card has confirmed the payment of the payment amount by selling the quantity of the virtual currency corresponding to the payment request amount, performing card settlement using the virtual currency How to.

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