KR20190087939A - Electronic money payment gateway server using price difference of electronic money by country, system and method - Google Patents

Abstract

The present invention relates to an electronic money payment server, system, and method. More specifically, the present invention relates to the electronic money payment server, system, and method capable of determining price, which may benefit both seller and buyer, using price difference of electronic money generated when a country of the seller and buyer is different, converting purchase amount into electronic money amount corresponding to the purchase amount applying the determined price, receiving electronic money for the converted electronic money amount from the buyer and providing sale payment to the seller, and providing discount effect to the buyer and additional profits to the seller.

Description

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

The present invention relates to an electronic money payment server, a system and a method thereof, and more particularly, to an electronic money payment server, system and method that can provide benefits to both a seller and a buyer The electronic money for the converted electronic money amount is remitted from the purchaser, and the selling price is provided to the seller, and the discount effect is provided to the buyer And to an electronic money payment server, system, and method using an electronic money market vehicle that can provide an additional payment to a seller.

In general, electronic money is an electronic payment means that stores monetary value in the form of an electronic symbol in an electronic device such as a card with an IC chip or a PC connected to a public information communication network and makes it available for purchase of goods and the like.

In the case of electronic money being used, the Korean Intellectual Property Patent Application No. 10-2012-0028519 [apparatus and method for purchasing online game goods using electronic money for PC room manager (hereinafter referred to as "prior art" An electronic money is used to purchase an item or the like in an online game.

However, there is a problem that the prior art can not substitute real money because electronic money can be used only in an online game.

Recently, however, Bitcoin, a type of electronic money that can be paid for in-kind money, has been proposed and traded globally.

Bitcoin is a digital currency created by Satoshi Nakamoto in 2009, and has a structure that does not have a central device to issue and manage currency.

Instead, the transaction of the bit coin is performed by a distributed database based on peer-to-peer network (P2P), and transactions are performed based on the public key cryptosystem.

Such a bit coin having a payment method can be used without any information such as a card number, an expiration date, a CVV (Card Verification Value), and a CVC (Card Validation Code) number necessary for credit card payment, In addition, there is also an advantage in the use fee is also inexpensive.

In addition, the bit coin is stored in the form of a wallet file. A private key corresponding to each unique address, that is, a public address and a password is given to the wallet. The public address, The purchase of goods using the bit coin is performed based on the address "

As described above, there are a light coin, a dark coin, a name coin, a porcelain coin, and a ripple in addition to the bit coin in the electronic money that can be settled for the spot, and a common feature thereof is that the trader uses the electronic money including the bit coin The block chain in which transaction details are collected and stored is stored in the electronic wallet. For this reason, bit coin, light coin, dark coin, name coin, pottery coin and ripple are collectively referred to as electronic money.

 In order to use the electronic money to which the block chain technology having the settlement characteristic is applied, the purchaser first registers the KRW corresponding to the KRW in the state where the electronic wallet is opened by subscribing to the bit coin exchange such as Bitsum, Coin, Charge.

Then, after confirming the current price of the bit coin being traded at the bit coin exchange, if the purchase order is made by inputting the quantity and the unit price of the electronic money having the block chain desired to purchase, the transaction is established through the sales order matching the transaction condition, Money is sold and purchased at the same time.

In addition, electronic money can be used for various purposes such as settlement of goods, remittance between users and users, as well as sales and purchasing using exchanges.

When used as a remittance between a user and a user, the electronic money is determined according to the degree of buying and selling, so users check the amount of electronic money (the number) for the amount to be sent through the market price of the exchange, The electronic money amount is transmitted to another user.

Just as the value of multi-national currencies, such as the won, yen, yuan, and dollar, are different, the price of electronic money may vary from country to country.

Therefore, when a domestic user purchases a product sold by a foreign user and sends an e-money corresponding to the purchase amount corresponding to the reference currency, the value of the electronic money actually exchanged by the foreign user is changed when the e-money is exchanged There was a problem.

Therefore, in the conventional electronic money settlement system, it has been difficult to conduct transactions such as purchasing goods using electronic money among users of different countries.

Published Japanese Patent Application No. 10-2011-0022553 (Published on Mar. 07, 2011) Registered Patent Publication No. 10-1628624 (Announced 2016.06.09)

Accordingly, an object of the present invention is to provide a method and system for determining a market price that can benefit both sellers and buyers by using the market price of electronic money generated when the country of the merchandise seller is different from the country of the buyer, The electronic money for the converted electronic money amount is remitted from the buyer, and the sales price is provided to the seller. In addition, the electronic money by the country which can provide the discount effect to the buyer and the additional profit to the seller And an electronic money settlement server, system, and method using the money market currency.

According to another aspect of the present invention, there is provided an electronic money payment server using an electronic money ticker according to the present invention, the electronic money transaction server comprising: A payment request event monitoring unit monitoring whether payment request information including purchase amount information and terminal information is received; A country identification unit for detecting a country of the buyer and a seller when payment request information is received through the payment request event monitoring unit; An exchange market price collecting unit for collecting seller quotation information and buyer quotation information of electronic money from an exchange server of the electronic money exchange of each of the detected seller country and buyer country; Determines the application price between the seller's quotation of the seller's quote information and the buyer's quote information of the buyer's quote information according to the collected quotation information of the seller's quote information, the buyer's quote information, and the preset premium setting information, To an electronic money amount according to the determined application period; Electronic money transfer request information for requesting remittance of the electronic money including electronic wallet address information to receive electronic money corresponding to the exchanged electronic money amount is transmitted to the buyer terminal unit and the goods sale unit corresponding to the terminal information An electronic money transfer requesting unit for transferring at least one electronic money; And after transferring the electronic money transfer request information, the electronic money remitted from the block chain network to the electronic wallet address of the electronic money transfer request information is stored in the electronic wallet of the seller and processed according to the electronic money processing request by the seller And a transaction processing unit for processing the transaction.

Wherein the electronic money exchange unit comprises: a premium setting unit for setting a quotation rate for adjusting a discount amount of the purchaser and an operating premium amount ratio; The application price between the seller's quotation of the seller's quote information and the buyer's quote of the buyer's quote information selected according to Equation 1 below according to the ticker ratio of the selected seller quotation information and buyer quotation information, A quotation calculation unit for determining the price; And an electronic money amount conversion unit for converting the purchase amount of the purchase amount information into an electronic money amount according to the determined application period.

[Equation 1]

The electronic money exchange unit further includes an exchange evaluation unit for determining whether the seller's ticker information is overvalued from the buyer's quote information and outputting the seller's exchange's overvalued price information when the seller's ticker information is overvalued, And when the exchange's overvalue situation information is input from the exchange, the application period is determined.

Wherein the premium setting unit further sets a seller's and operator's distribution ratios for the seller and the operator to receive distribution of the operating premium amount that is the profit generated from the purchase amount remitted from the purchaser according to the ticker rate, Distributes the operating premium amount generated according to the ticker ratio to the seller and the operator according to the distribution ratio, and further distributes the distribution amount to the seller.

Wherein the transaction processing unit obtains a transaction approval number for the electronic money remitted to the electronic wallet address of the electronic money transfer request information from the block chain network after the transmission of the electronic money transfer request information, The electronic money remitted by the buyer terminal unit is regarded as received when the transaction approval number is larger than the transaction approval number of times, And the seller of the seller information processes the transaction corresponding to the payment request at the time of the payment request for the electronic money received as the payout.

Wherein the transaction processing unit considers that the electronic money for the buyer's purchase amount is received when the transaction approval number is equal to or greater than the deal approval number of times of transaction approval by comparing the transaction approval number of times according to the purchase amount, When the money is received, providing a transaction completion message to at least one of the buyer terminal unit and the merchandise sales unit, and if the seller fails to approve the transaction before the reception of the electronic money, And provides electronic money or cash for the amount of money.

Wherein the transaction processing unit sets the transaction acceptance approval count to 0 if the purchase amount is less than the first amount, and sets the transaction acceptance count to 1 to 3 when the purchase amount is less than the first amount, And if the amount of money is more than the amount of money, the number of times the transaction is approved for approval is set to any one of 4 to 6.

According to another aspect of the present invention, there is provided an electronic money settlement system using an electronic money ticker according to the present invention, the electronic money ticketing system comprising: a server for providing product information on a plurality of products to sell the products, A merchandise sales department that makes a corresponding payment request; A purchaser terminal unit for transferring an electronic money amount corresponding to a purchase amount for purchasing a product through the merchandise sales unit to the electronic wallet address through an electronic money through a block chain network; At least two exchange servers installed in an electronic money exchange and managing ticker information for the electronic money which fluctuates with time, and providing ticker information when a ticker information request is generated; And when the settlement request information is received from any one of the buyer terminal unit and the merchandise sales unit, it detects the country of each of the buyer and the seller from the settlement request information, requests the exchange server of the seller country and the buyer country, And calculates an electronic money amount for the purchase amount by determining the application date according to the time difference based on the received seller quotation information, the buyer quotation information, and the preset premium setting information, And an electronic money payment server for receiving electronic money corresponding to the electronic money amount through a block chain network by transmitting electronic money transfer request information requesting remittance of the electronic money amount to any one or more of the electronic money payment server.

The electronic money payment server monitors whether payment request information including seller information, purchase amount information, and terminal information on purchase of a product sold by an arbitrary merchandise sales department from any one of the purchaser terminal unit and the merchandise sales department is received A payment request event monitoring unit; A country identification unit for detecting a country of the buyer and a seller when payment request information is received through the payment request event monitoring unit; An exchange market price collecting unit for collecting seller quotation information and buyer quotation information of electronic money from an exchange server of the electronic money exchange of each of the detected seller country and buyer country; Determines the application price between the seller's quotation of the seller's quote information and the buyer's quote information of the buyer's quote information according to the collected quotation information of the seller's quote information, the buyer's quote information, and the preset premium setting information, To an electronic money amount according to the determined application period; Electronic money transfer request information for requesting transfer of the electronic money including electronic wallet address information to receive electronic money corresponding to the exchanged electronic money amount is transmitted to the buyer terminal unit and the goods sale unit An electronic money transfer requesting unit for transferring at least one electronic money; And after transferring the electronic money transfer request information, the electronic money remitted from the block chain network to the electronic wallet address of the electronic money transfer request information is stored in the electronic wallet of the seller and processed according to the electronic money processing request by the seller And a transaction processing unit for processing the transaction.

Wherein the electronic money exchange unit comprises: a premium setting unit for setting a quotation rate for adjusting a ratio of the discount amount of the purchaser and the premium amount of the operation; The application price between the seller's quotation of the seller's quote information and the buyer's quote of the buyer's quote information selected according to Equation 1 below according to the ticker ratio of the selected seller quotation information and buyer quotation information, A quotation calculation unit for determining the price; And an electronic money amount conversion unit for converting the purchase amount of the purchase amount information into an electronic money amount according to the determined application period.

[Equation 1]

The electronic money exchange unit further includes an exchange evaluation unit for determining whether the seller's ticker information is overvalued from the buyer's quote information and outputting the seller's exchange's overvalued price information when the seller's ticker information is overvalued, And when the exchange's overvalue situation information is input from the exchange, the application period is determined.

Wherein the premium setting unit further sets a seller's and operator's distribution ratios for the seller and the operator to receive distribution of the operating premium amount that is the profit generated from the purchase amount remitted from the purchaser according to the ticker rate, Distributes the operating premium amount generated according to the ticker ratio to the seller and the operator according to the distribution ratio, and further distributes the distribution amount to the seller.

Wherein the transaction processing unit obtains a transaction approval number for the electronic money remitted to the electronic wallet address of the electronic money transfer request information from the block chain network after the transmission of the electronic money transfer request information, The electronic money remitted by the buyer terminal unit is regarded as received when the transaction approval number is larger than the transaction approval number of times, And the seller of the seller information processes the transaction corresponding to the payment request at the time of the payment request for the electronic money received as the payout.

The transaction processor compares the transaction approval count with the transaction approval count based on the purchase amount, and when the distance approval count is equal to or greater than the transaction approval count, it is regarded that the electronic money for the purchase amount of the buyer is received, The method comprising: providing a transaction completion message to at least one of the buyer terminal unit and the merchandise sales unit; and when the seller has requested payment before the reception of the electronic money, The electronic money or the cash for the user.

Wherein the transaction processing unit sets the transaction acceptance approval count to 0 if the purchase amount is less than the first amount, and sets the transaction acceptance count to 1 to 3 when the purchase amount is less than the first amount, And if the amount of money is more than the amount of money, the number of times the transaction is approved for approval is set to any one of 4 to 6.

According to another aspect of the present invention, there is provided an electronic money settlement method using an electronic money ticketing machine according to the present invention, the electronic money settlement server comprising: A payment request event monitoring process for monitoring whether payment request information including seller information, purchase amount information, and terminal information according to purchase of a product sold by the sales department is received; A country identifying step of detecting the country of the buyer and the seller through the country identification unit when the settlement request information is received through the settlement request event monitoring unit of the electronic money settlement server; The electronic money settlement server collecting the seller's quotation information and the buyer's quote information of the electronic money from the exchange server of the electronic money exchange of each of the detected seller country and the buyer country via the exchange market collecting unit; An application between the seller's quotation of the seller's quotation information and the buyer's quotation of the buyer's quote information in accordance with the quotation of the seller quotation information, the buyer quotation information, and the preset premium setting information collected by the electronic money settlement server through the electronic money exchange unit An electronic money exchange process for exchanging a purchase amount of the purchase amount information with an electronic money amount according to the determined application date after determining a quotation; Wherein the electronic money settlement server includes electronic wallet address information for receiving electronic money corresponding to the exchanged electronic money amount through an electronic money transfer requesting unit to send electronic money transfer request information requesting remittance of the electronic money to the terminal information To the purchaser terminal unit and the goods sale unit corresponding to the electronic money transfer request process; And after the electronic money payment server transmits the electronic money transfer request information through the transaction processing unit, stores the electronic money remitted from the block chain network to the electronic wallet address of the electronic money transfer request information in the electronic wallet of the seller, And a transaction processing step of processing according to a request for electronic money processing by the seller.

The electronic money exchange process includes a premium setting step of setting a quotation rate for adjusting a ratio of a discount amount of a purchaser and a premium amount of operation through a premium setting unit; Between the seller's quotation of the seller's quote information selected as shown in Equation (1) and the buyer's quotation of the buyer's quote information according to the quotation of the seller's quote information and buyer's quote information selected through the quotation calculator, A price calculation step of determining an application price of the product; And an electronic money amount conversion step of converting the purchase amount of the purchase amount information into the electronic money amount according to the determined application period through the electronic money amount changing part.

[Equation 1]

The electronic money exchange process is a process of determining an application price determination to determine a quotation, which is the lowest price among the quotations of the ticker information, collected by the electronic money exchange server through the electronic money exchange unit step; And an electronic money changing step of changing the purchase amount of the purchase amount information to an electronic money amount according to the determined application period.

The electronic money exchange process further includes an exchange evaluation step of determining whether the seller's ticker information is over-valued through the exchange valuation unit and outputting the seller's exchange's over-valued price information when it is overvalued, The electronic money settlement server determines the application quotation when the exchange's overvaluation situation information is input from the exchange evaluation section.

The premium setting step may include setting a quotation rate for adjusting a ratio of the discount amount of the purchaser and the premium amount of the operation premium through the premium setting unit; And a distribution ratio setting step of setting a distribution ratio of a seller and an operator for distributing the operating premium amount, which is the profit generated from the purchase amount remitted from the purchaser according to the ticker rate, to the distributor and the operator, A payout receiving step of receiving the electronic money remitted from the block chain network to the electronic wallet address of the electronic money transfer request information after transmission of the electronic money transfer request information; And a distributing payment step of distributing an operating premium amount generated according to the ticker rate to a seller and an operator in accordance with the distribution ratio, and further paying the seller for a distribution amount to the seller.

Wherein the transaction processing step includes: acquiring a transaction approval number of times for the electronic money remitted from the block chain network to the electronic wallet address of the electronic money transfer request information after transferring the electronic money transfer request information; If the number of transaction approval times set in advance according to the purchase amount is compared with the obtained transaction approval number and the electronic money remitted by the purchaser terminal unit is deemed to have been received when the transaction approval number exceeds the transaction approval number A step of receiving a payout electronic money; And a transaction processing step of processing a transaction corresponding to a payment request at the time of payment request for the received electronic money, in which the seller of the seller information is paid for the electronic money, from the time of reception of the electronic money.

Wherein the transaction processing step comprises: an electronic money reception judgment step of checking whether electronic money is received; And a transaction completion notification step of, when the electronic money is received, transmitting a transaction completion message to at least one of the purchaser terminal unit and the merchandise sales unit remitting the electronic money.

Wherein the transaction processing step comprises: an approval failure monitoring step of checking whether an approval failure occurs in the electronic money payment server; Wherein the electronic money settlement server maintains a transaction for electronic money received by the seller when the approval failure occurs; And an approval failure notifying step of notifying the acceptance failure to the purchaser terminal unit that remitted the electronic money when the approval failure occurred in the electronic money settlement server.

The present invention is characterized in that, when a purchaser makes a purchase after purchasing goods from a disparate country, the purchaser purchases goods from the seller country (s) according to the price difference between the electronic currency price of the purchaser country and the electronic money price of the seller country and the premium setting information preset by the seller and the manager The electronic money market price is determined by the price between the seller electronic money market price of the buyer and the buyer electronic money market price of the buyer country, thereby having an effect of benefiting both the seller and the buyer.

In addition, since the present invention determines an arbitrary quotation between a seller's quotation and a buyer's quotation as an application price, it provides a discount to the buyer, but also has a premium amount, which is a surplus amount.

Further, according to the present invention, the profit ratio of the seller and the operator to the premium amount can be adjusted according to the premium setting information, and thus the operation of the electronic money payment server can be efficiently performed.

In addition, according to the present invention, when the electronic money corresponding to the electronic money amount converted for the purchase amount in the buyer's electronic wallet is remitted through the block chain network, the number of transaction approvals occurring on the block chain network is set differently according to the purchase amount The transaction time between the buyer and the seller can be minimized and the real time transaction can be provided when the purchase amount is low by allowing the seller to use the electronic money for the purchase amount directly.

In addition, since the present invention can activate the purchase of different kinds of products using the electronic money, it is expected that the utility of the electronic money can be increased and the value of the electronic money can be increased.

1 is a block diagram of an electronic money settlement system using an electronic money ticker according to the present invention.
FIG. 2 is a diagram illustrating the configuration of a merchandise sales department of an electronic money settlement system using a country-specific electronic money ticker according to the present invention.
FIG. 3 is a diagram illustrating a configuration of an electronic money settlement server of an electronic money settlement system using a country-specific electronic money ticker according to the present invention.
4 is a flowchart illustrating a settlement method in an electronic money settlement system using a country-specific electronic money ticker according to an embodiment of the present invention.
FIG. 5 is a flowchart illustrating a process of calculating an application fee in an electronic money settlement server in an electronic money settlement system using a country-specific electronic money ticker according to the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, an electronic money settlement system, an electronic money settlement system product sales department, and an electronic money settlement server according to the present invention will be described in detail with reference to the accompanying drawings. Will be described.

1 is a block diagram of an electronic money settlement system using an electronic money ticker according to the present invention.

1, an electronic money settlement system using an electronic money ticker according to the present invention includes a buyer terminal unit 100, a goods sale unit 200, a plurality of exchange servers 300, and an electronic money payment server 400 ).

The buyer terminal unit 100, the commodity sales unit 200, the exchange server 300 and the electronic money payment server 400 are connected to the wire / wireless data communication network 10 by wire or wireless, Protocol: TCP) and Internet Protocol (IP). Therefore, data transmitted and received according to the TCP / IP protocol (hereinafter referred to as "Internet protocol message") includes an IP address (hereinafter referred to as "IP").

The buyer terminal unit 100 and the goods sale unit 200 may be connected to a Bluetooth communication system such as Bluetooth, Zigbee, Near Field Communication (NFC), Ultra Wide Band (UWB) And may be directly connected to the same short-range wireless communication.

The wired / wireless data communication network 10 is a communication network in which one or more of an Internet network including a WiFi network, a mobile communication network such as 3G (3G), 4G, and 5G, and a WiBro network are combined.

The buyer terminal unit 100 purchases a product through the merchandise sales unit 200 and requests payment from the electronic money settlement server 400 according to an embodiment of the present invention and transmits a request for remittance of a settlement request from the electronic money settlement server 400 And transmits the electronic money corresponding to the purchase amount of the purchased commodity at the time of occurrence.

The purchaser terminal unit 100 may be constituted by a single terminal for transferring the electronic money through the purchase of the goods and the installed electronic wallet, or may be constituted by the purchasing terminal 101 for purchasing goods and the information displayed on the purchasing terminal 101 And a payment terminal 102 having an electronic wallet for remitting the electronic money using the electronic wallet. The purchaser terminal unit 100 can be connected to a merchandise sales department 200 such as a computer terminal such as a desktop computer or a notebook computer, a smart terminal such as a smart phone or a smart pad, a separate dedicated terminal, an Internet TV, It is possible to receive the purchase information and the seller information for the electronic wallet and the electronic wallet to transfer the electronic money.

The purchaser terminal unit 100 acquires purchase information, seller information, and the like including the purchase amount (referred to as "payout" in the case of the seller) for the purchased product through the goods sales department 200 according to the embodiment, Payment information including purchase information including the purchased purchase amount, seller information, and terminal information as its own information, and transmits the generated payment request information to the electronic money payment server 400. [ At this time, the payment request information will be transmitted through an internet protocol message including an IP address for transmission to the electronic money settlement server 400 through the wire / wireless data communication network 10. Further, the seller information may include at least one of a seller name, a seller ID (ID), and a seller ID number, a telephone number, country information on which the seller lives and sells goods, and the like. In addition, the payment request information may further include product information. The terminal information may be any one or more of an MDN (Mobile Directory Number) which is a telephone number of the purchaser terminal 100, an ID of a messenger used by the buyer of the purchaser terminal 100, an SNS ID, will be.

The merchandise sales department 200 is a device capable of providing purchase information and seller information including a purchase amount of at least one merchandise, and may be a server such as an Internet shopping mall server, a shopping mall app server, or the like, An information management system (POS), or the like, or may be an individual smart terminal for sales among individuals.

The product selling unit 200 may receive the terminal information of the purchaser terminal unit 100 from the purchaser and transmit the payment request information according to the embodiment.

The merchandise sales department 200 may be provided with an electronic purse or may be a device for processing only sales of merchandise of a seller whose electronic wallet and deposit account are registered in the electronic money settlement server 400 .

In the former case, the merchandise sales department 200 may receive the electronic money from the electronic money settlement server 400 through the electronic wallet and store the electronic money, or may receive the cash for the sales money into the deposit account thereof.

In the latter case, the seller accesses the electronic money settlement server 400 to inquire the electronic wallet assigned to him / her after the seller authentication, transfers the electronic money stored in the electronic wallet to the electronic wallet installed in his or her own personal terminal, To your deposit account.

In addition, the merchandise sales department 200 may receive the remittance request information and display it so that the purchaser can view it.

The exchange server 300 is a server installed in an exchange established around the world and has country information. When the request for price information is received from the electronic money payment server 400 of the present invention, the exchange server 300 transmits the current electronic money quotation information to the electronic money And provides it to the payment server 400.

When the payment request information is received from one of the purchaser terminal 100 and the merchandise seller 200 according to the embodiment, the electronic money payment server 400 detects the country of the seller from the seller information included in the payment request information An IP that can be obtained from the Internet protocol message including the payment request information upon receipt of the payment request information, and a country of the buyer and the seller based on the information included in the payment request information.

When the seller country and the buyer country are identified, the electronic money payment server 400 requests the one or more exchange servers 300 of the respective countries for quotation information to collect quotation information for each exchange, (Hereinafter, quoted information obtained from an exchange server selected in a seller country is referred to as "seller quotation information ", quoted information obtained from an exchange server selected in the buyer country is referred to as" buyer quotation information Quot;). The ticker selection condition may be the lowest price, the weighted average price, and the like. The weighted average value may be calculated by adding weights to the exchanges according to the number of times of use of the exchanges to obtain an average value.

The electronic money payment server 400 calculates the application quotation by applying the quotation ratio of the premium setting information that is set in advance when the seller's quote information and the buyer's quote information are determined. The application price may be calculated by the following equation (1).

The electronic money payment server 400 converts the purchase amount into an electronic money amount by applying an application fee when the application fee is calculated, and transmits the electronic money transfer request for requesting payment of the electronic money corresponding to the converted electronic money amount The request information may be transmitted to at least one of the buyer terminal unit 100 and the goods sale unit 200 according to the embodiment.

After transmitting the electronic money transfer request information, the electronic money payment server 400 checks whether the electronic money remitted to the electronic wallet address of the electronic money transfer request information is received from the block chain network, and when the electronic money is received, The electronic money for the payment is stored in the electronic wallet of the seller, and the seller of the seller information processes the transaction corresponding to the payment request at the time of the payment request for the received electronic money, which is the sale price.

In addition, according to another embodiment, the electronic money payment server 400 compares the number of transaction approvals acquired through the block-chain network with the number of transactions considered to be approved in advance according to the purchase amount, , It is regarded that the electronic money remitted by the buyer terminal unit 100 has been received and that the seller of the seller information from the time of receipt of the electronic money receives the payment request in the payment request for the received electronic money Lt; RTI ID = 0.0 > transaction. ≪ / RTI >

That is, since the electronic money payment server 400 according to the present invention applies the number of transaction approval approvals according to the purchase amount, it is possible to provide the seller with the payment of the selling price, so that it is possible to provide the quick merchandise transaction between the seller and the buyer. Accordingly, it is expected that the present invention can activate the purchase of electronic money, and it is expected that the electronic money can be used more effectively and the value of electronic money can be increased.

FIG. 2 is a diagram illustrating the configuration of a merchandise sales department of an electronic money settlement system using a country-specific electronic money ticker according to the present invention.

2, the product sales department 200 includes a sales storage unit 210, a sales communication unit 220, a sales display unit 230, a sales input unit 240, and a sales control unit 250 .

The sales storage unit 210 stores product information including a product name, a product price, a product description, and the like for at least one product, country information about the country where the seller resides, a seller name, a seller ID, Etc., and stores the purchase history including the product information, the purchase amount, and the like for the product requested by the buyer.

Also, the sales storage unit 210 may have an electronic wallet according to an embodiment, and stores electronic money by an installed electronic wallet.

The sales communication unit 220 performs data communication with other devices connected to the wire / wireless data communication network 10 by wireless or wired connection to the wire / wireless data communication network 10 according to the embodiment, 100 and a terminal to a terminal to perform data communication. That is, the sales communication unit 220 may include a remote communication unit that performs data communication through the wired / wireless data communication network 10 and a short-range wireless communication unit that performs terminal-to-terminal wireless communication.

The sales display unit 230 displays various information according to the operation of the merchandise sales unit 200 of the present invention by at least one of text, graphics, images, and moving images.

The sales input unit 240 may include at least one of a keyboard, a mouse, and a touch pad that is integrally formed with a screen of the sales display unit 230 so that the seller can input various information.

In addition, the sales input unit 240 may further include a scanner in the case where the goods sale unit 200 is a POS in accordance with the embodiment, and may further include a camera in the case that the goods sale unit 200 is a mobile terminal.

That is, the sales input unit 240 is a means for receiving various information by the seller. When the goods sales unit 200 is a server according to the embodiment, the sales input unit 240 is integrally formed with the screen of the keyboard, mouse, and sales display unit 230 And a touch pad for outputting positional information corresponding to a position to be touched. If the product selling unit 200 is a payment terminal such as a POS, it may include at least one or more of a keyboard, a scanner, a touch pad, If the product sales department 200 is a mobile terminal, the product sales department 200 may include at least one of a button input device, a touch pad, and a camera.

The sales control unit 250 controls the overall operation of the product selling unit 200 according to the present invention including the merchandise sales processing unit 251, the electronic money settlement unit providing unit 252 and the electronic money settlement processing unit 253.

Specifically, the merchandise sales processing unit 251 provides the merchandise display and search means to the buyer terminal unit 100 when the merchandise sales unit 200 is a shopping mall, stores the merchandise information on the page selected by the user in the sales storage unit 210, And transmits the selected goods information to the purchaser terminal unit 100. When the user makes a purchase request for an arbitrary commodity, the payment means selection unit including the electronic money payment unit is transmitted to the buyer terminal unit 100 And activates the electronic money settlement means providing unit 252 when the electronic money settlement means is selected through the payment means selecting means.

The electronic money settlement means providing unit 252 provides an electronic money settlement means to the purchaser terminal unit 100 for performing settlement with electronic money as the selected settlement means.

Then, the buyer terminal unit 100 is connected to the electronic money settlement server 400 through the provided electronic money settlement means, generates settlement request information for electronic money settlement through the electronic money settlement means, 400).

If the merchandise sales department 200 is a payment terminal such as POS, the merchandise sales processing unit 251 acquires merchandise information, calculates and displays a sales amount for prices corresponding to the acquired merchandise information, And activates the electronic money settlement means providing unit 252 when the electronic money settlement is selected through the payment means selecting means.

The activated electronic money settlement means providing unit 252 provides an electronic money settlement means including purchase information, seller information, and the like including purchase amount to an adjacent buyer terminal unit 100 through the sales communication unit 220. [

Then, the buyer terminal unit 100 is connected to the electronic money settlement server 400 through the provided electronic money settlement means, generates settlement request information for electronic money settlement through the electronic money settlement means, 400). ≪ / RTI >

In addition, the electronic money settlement unit providing unit 252 may be configured to receive the purchaser's terminal information, generate settlement request information, and then transmit the settlement request information to the electronic money settlement server 400.

The electronic money settlement processing unit 253 is connected to the electronic money settlement server 400 and processes the electronic money for the sales money stored in the electronic money settlement server 400 to receive the electronic money or converts the electronic money into cash, Transfer to a registered deposit account, and the like.

FIG. 3 is a diagram illustrating a configuration of an electronic money settlement server of an electronic money settlement system using a country-specific electronic money ticker according to the present invention.

3, the electronic money payment server 400 includes a server storage unit 410, a server communication unit 420, a server display unit 430, a server input unit 440, and a server control unit 450.

The server storage unit 410 stores a seller database (DB) having an account including an electronic purse, seller information, deposit account information, and the like for storing electronic money corresponding to the sales price for the sellers, transaction details, and the like , And stores premium setting information and the like. The premium setting information includes a quotation ratio for determining an application quotation to be applied between a seller's quotation of the seller country and a buyer's quotation of the buyer country as the electronic money price of the seller country is different from the electronic money price of the buyer country, Includes the distribution rate to distribute the premium amount generated by the application quota applied to the national electronic money market price and ticker rate to the seller and operator.

In addition, the server storage unit 410 stores the number of transaction approval approvals for each purchase amount group according to the present invention. For example, the transaction approval number may be 0 if the purchase amount is less than the first amount, 1 to 3 if the first amount is the second amount, and 4 to 6 if the second amount is exceeded It could be one.

The server communication unit 420 is connected to the wired / wireless data communication network 10 wirelessly or wired according to an embodiment and performs data communication with other devices connected to the wired / wireless data communication network 10.

The server display unit 430 displays various information according to the present invention in at least one of text, graphics, images, and moving images.

The server input unit 440 receives a variety of information from a server manager including a keyboard, a mouse, a touch pad, and the like, and provides the received information to the server control unit 450.

The server control unit 450 includes a settlement request event monitoring unit 451, a country identifying unit 452, an exchange market collecting unit 453, an electronic money exchanging unit 454, an electronic money transfer requesting unit 459, 460 and an electronic money remover 461 to control the overall operation of the electronic money payment server 400. [

The payment request event monitoring unit 451 monitors whether any payment request event is generated by checking whether the payment request information is received from any of the buyer terminal unit 100 and the goods sale unit 200 according to the embodiment.

The payment request event monitoring unit 451 activates the country identifying unit 452 when payment request information is received from either the purchaser terminal unit 100 or the goods selling unit 200. [

The activated country identification unit 452 detects the IP included in the Internet protocol message including the payment request information upon receipt of the payment request information through the payment request event monitoring unit 451, To identify the country of the buyer terminal unit 100 and to identify the country of the seller based on the country information included in the seller information. In a case where the merchandise sales department 200 transmits the settlement request information according to another embodiment, the country identification part 452 may identify the settlement request information by IP included in the Internet protocol message including the settlement request information received from the goods sale part 200 You may also be able to identify the seller country. In this case, the buyer country information may be input through the electronic money payment means to identify the buyer country information.

When the settlement request information is received through the settlement request event monitoring unit 451 and the seller country and the buyer country are identified, the exchange market price collecting unit 453 acquires the settlement request information from the exchange server 300 of a plurality of exchanges of each of the seller country and the buyer country Request electronic money market information and collect electronic money market information by country and exchange.

The exchange market price collecting unit 453 collects the electronic money market information by country and exchange, and selects one electronic money market information satisfying the market selection condition among the electronic money information information of each exchange collected for each country.

The ticker selection condition may be a lowest price, a weighted average price, and the like.

The electronic money exchanging unit 454 includes an interest rate calculating unit 457 and an electronic money amount converting unit 458 and further includes an exchange evaluation unit 455 and a premium setting unit 456 according to an embodiment.

The price calculation unit 457 applies the quotation ratio of the buyer's quote information, the seller's quote information, and the premium setting information to the above-described Equation 1 to calculate the application quotation.

The electronic money amount conversion unit 458 converts the purchase amount into the electronic money amount by applying the application fee to the purchase amount included in the purchase information of the payment request information received through the payment request event monitoring unit 451, And provides it to the money remittance requesting unit 459.

For example, the electronic money amount conversion unit 458 converts the electronic money amount exchanged at the time of referencing the over-valued exchange when the electronic money price difference between the buyer's country and the seller country is 1BTC and the price ratio is 50% It will be 1.5 BTC. The reference value of an overvalued exchange is the exchange rate traded in the seller's currency and the exchange rate traded in the currency used by the buyer by comparing the reference price with the market price of the exchange whose ticker price is highly valued. To determine the quantity of the ciphers. The undervalued exchange reference will be the opposite of the reference to the high valuation exchange.

 The quoted ratio determines the discount amount of the buyer and the ratio of the operating premium amount. In Table 1, the total premium is 10 million Yuan and the price ratio is 50%, so the buyer receives 50% discount of 50% of the premium, and the remaining premium (hereinafter referred to as "operation premium") amounts to 5 million Yuan. The operation premium amount of 5 million won will be distributed according to the distribution ratio of the seller and the operator.

The exchange evaluation unit 455 judges whether the seller's market price is higher than the buyer's price if the seller's market price information and the buyer's price information are determined by the exchange's market price collecting unit 453. If the seller's price is higher than the buyer's price, And outputs it to the price calculation unit 457. The electronic money settlement server 400 may be configured not to proceed with the transaction when the seller exchange is undervalued through the exchange evaluation unit 455 or may notify the seller or the buyer that damage has occurred due to undervaluation It may be configured to perform the electronic money settlement processing by a general method if it is desired to continue the transaction on the side where the loss occurs.

The price calculation unit 457 will determine the application price upon receiving the seller exchange's overvalued price situation information from the exchange evaluation unit 455. In other words, the price calculation unit 457 does not calculate the application price when the seller exchange is undervalued.

The operation premium setting unit 456 displays the operation premium setting means through the server display unit 430 and receives the operation premium setting information through the operation premium setting means and the server input unit 440 to perform the operation premium setting. The operating premium setting includes setting a tick ratio and setting a distribution ratio. The distribution ratio setting is a ratio for distributing the operating premium amount generated according to the quotation ratio to the seller and the operator as described above.

The electronic money transfer requesting unit 459 requests the electronic money transfer request information requesting the electronic money corresponding to the converted electronic money amount to the buyer terminal unit 100 and the goods sale unit 200). ≪ / RTI >

The transaction processing unit 460 transmits the electronic money transfer request information by the electronic money transfer requesting unit 459 and then checks whether the electronic money remitted to the electronic money transfer request information is received through the block chain network, When the money is received, the electronic money is stored in the electronic wallet of the seller and the sales approval message is transmitted to the seller.

The transaction processing unit 460 calculates the seller's additional profit and the operator profit according to the secretion ratio of the premium setting information, and provides the seller's additional profit to the seller's electronic wallet or deposit account when the electronic money for the sale price is received and stored , Operator profits may be stored in the operator's electronic wallet or provided to the operator's deposit account.

The transaction processing unit 460 may determine the number of deal approval approvals corresponding to the purchase amount based on the transaction approval number of times per purchase amount stored in the server storage unit 410 according to the embodiment.

If the transaction approval number is determined according to the embodiment, the transaction processing unit 460 determines whether the electronic money for the electronic money amount has been transferred from the buyer terminal unit 100 corresponding to the electronic money transfer request information in the block chain network And checks whether or not the number of transaction approvals is equal to or greater than the determined transaction acceptance number. If the transaction approval number is equal to or greater than the determined transaction acceptance number, the sales approval message is transmitted to the product selling unit 200 .

Assuming that the first amount is 100,000 won and the second amount is 1,000,000 won, when the purchase amount information is less than 100,000 won, the transaction approval approval number is 0, and immediately the sales approval notification message is transmitted to the product sales department 200, If the purchase amount is equal to or more than 100,000 and less than or equal to 1,000,000 won and the transaction approval approval number is 3 and the transaction approval number is 3, the sales approval notification message is transmitted to the product sales department 200. If the purchase amount exceeds 1,000,000 And the number of transaction approval approvals is 6, and the transaction approval number is 6, the sales approval notification message is transmitted to the product sales department 200. [

The seller accesses the electronic money settlement server 400 through the merchandise sales unit 200 from the time when the merchandise sales unit 200 receives the sales approval notification message from the electronic money settlement server 400, The money may be received and stored in the electronic wallet, or may be directly deposited into the deposit account of the seller by exchanging cash for the electronic money.

Therefore, the seller can receive cash even without an electronic wallet.

The electronic money remittance unit 461 sends an electronic money processing request such as transfer of electronic money or cash transfer from the arbitrary terminal connected to the merchandise sales unit 200 where the sales approval notification message is generated and the seller through the transaction processing unit 456 The electronic money received and stored from the buyer terminal unit 100 is transferred to another electronic wallet of the merchandise sales department 200 or the cash stored in the electronic wallet of the account is transferred to the deposit account of the seller.

The electronic money remitter 461 collects electronic money market information from the exchange server 300 in the case of cash transfer of the electronic money corresponding to the sale money, applies the highest or the average price information among the collected electronic money market information, And then to the seller's deposit account.

FIG. 4 is a flowchart illustrating a settlement method in an electronic money settlement system using a country-specific electronic money ticker according to an embodiment of the present invention. The buyer terminal 100 transmits settlement request information, FIG. 5 is a flowchart illustrating a process of receiving a broadcast signal.

Referring to FIG. 4, the purchaser terminal unit 100 may receive the goods information from the goods sale unit 200 and inform the goods sale unit 200 of the purchase request (S111). 4, the buyer terminal 100 and the goods sales department 200 are displayed as if they are delivering the goods information and the purchase intention, but the buyer and the seller directly meet each other so that the seller directly provides the goods information, You might be able to mark a doctor.

More specifically, when the product sale department 200 provides online sales such as a shopping mall server, the buyer terminal 100 and the goods sale department 200 provide product information and display a purchase intention as shown in S111 of FIG. 4 Lt; / RTI >

However, if the merchandise sales department 200 is a payment terminal such as a mobile terminal of a seller or a POS, a purchaser may receive merchandise information while visiting a shop or visiting a store, .

If the purchase intention of the purchaser is delivered online or offline, the product selling section 200 generates purchase information including the purchase amount information (S113).

When the purchase information is generated, the merchandise sales department 200 provides the payment means selection means and selects the payment means from the purchaser through the payment means selection means. The payment means selection means may be displayed on the purchaser terminal unit 100 or on the merchandise sales unit 200 according to the embodiment.

At this time, the merchandise sales department 200 should select the electronic money payment means from the payment means (S115).

When the electronic money is selected as the payment means, the merchandise sales department 200 provides the electronic money settlement means including the purchase information and the seller information to the buyer terminal 100 (S117). At this time, the electronic money payment means is provided to the buyer terminal unit 100 through the wire / wireless data communication network 10 if the goods sale unit 200 is a server on-line. If the goods sale unit 200 is a POS of the offline store or a seller's mobile terminal May be provided via short-range wireless communication. According to another embodiment, if the merchandise sales department 200 is a POS of an offline store or a seller's mobile terminal, the electronic money payment means may not be provided to the purchaser terminal unit 100 but may be provided through the merchandise sales department 200 , Payment information for electronic money settlement may be received from the purchaser and processed.

The purchaser terminal unit 100 provided with the electronic money payment means generates the payment request information including the purchase information, the seller information and the terminal information for making settlement with electronic money through the electronic money payment means (S121) , And transmits it to the electronic money settlement server 400 (S123). The payment request information may be transmitted to the electronic money settlement server 400 through the wire / wireless data communication network 10. At this time, the settlement request information includes IP (address) information for identifying the country. According to another embodiment, if the merchandise sales department 200 is an apparatus existing in the off-line store, the merchandise sales department 200 may generate settlement request information and transmit the settlement request information to the electronic money settlement server 400. [

Upon receipt of the payment request information, the electronic money settlement server 400 that has received the settlement request information determines the buyer country based on the IP that can be detected upon receipt of the settlement request information and determines the seller country according to the seller country information of the seller information included in the settlement request information (S124).

When the buyer country and the seller country are identified, the electronic money payment server 400 requests the electronic money transaction information to the exchange server 300 of the identified buyer country and seller country (S125).

The electronic money payment server 400 receives the quotation information for requesting the electronic money quotation information from the exchange server 300 of the buyer's country and the seller country and stores the received quotation information in the server storage unit 410 (S127).

When the electronic money order information is collected from the exchange server 300 of the buyer's country and the seller's country, the electronic money settlement server 400 selects the buyer's quote information and the seller's quote information that satisfy the respective city selection conditions for each country, The buyer's quote information, the seller's quote information, and the preset premium setting information (S128).

In addition, the electronic money settlement server 400 may perform an exchange valuation to determine the exchange situation before calculating the application price. The judgment of the exchange situation can be a judgment on whether the seller's price is higher than the buyer's price.

When the application price is calculated, the electronic money settlement server 400 changes the purchase information amount included in the purchase information to the electronic money amount in step S129.

The electronic money payment server 400 transmits the electronic money transfer request information requesting the electronic money corresponding to the electronic money amount to the buyer terminal 100 (S131).

The electronic money transfer request information may be transmitted by session communication of the electronic wallet to the electronic wallet, but may include a short message service (SMS) including a QR code for activating the electronic wallet, a barcode, a URL, A mobile communication message such as a multimedia message service (MMS), an instant message through a karaoke, a name-on, a push message through an application, e-mail, or the like.

The electronic money settlement server 400 refers to the number of transaction approval approvals per purchase amount stored in the server storage unit 410 after transmitting the electronic money transfer request information and determines the number of transaction approval approvals for the purchase amount included in the payment request information (S133). The transaction approval number may be determined upon detection of the purchase amount by receiving the payment request information.

Upon receiving the electronic money transfer request information from the electronic money payment server 400, the purchaser terminal unit 100 activates the electronic wallet (S135). The electronic wallet may be activated in advance by the purchaser after the creation and transmission of the payment request information.

The purchaser terminal unit 100 may be made up of one purchasing terminal 101 and may activate the electronic wallet by touching the QR code, bar code, URL, etc. of the electronic money transfer request information according to the above-described embodiment will be.

The purchaser terminal unit 100 includes the purchasing terminal 101 and the payment terminal 102. The purchasing terminal 101 that is the first purchaser terminal receives and displays the electronic money transfer request information, The payment terminal 102 which is the second purchaser terminal may photographed with one of the QR code and the bar code displayed on the purchasing terminal 101 to activate the electronic wallet and perform the following process.

When the electronic wallet is activated, the purchaser terminal unit 100 detects and displays the electronic money amount corresponding to the reception of the electronic money transfer request information from the electronic money transfer request information or receives it from the buyer and displays it. (Transaction) information having the electronic wallet address of the seller of the electronic money payment server 400 as a destination to the block chain network (S137).

The remittance information transmitted to the block chain network includes a transaction approval number, and the transaction approval number is incremented by 1 each time the approval process is performed according to the approval process, every time a terminal of the block chain network writes a book.

The electronic money payment server 400 transmits the electronic wallet address of the seller to the destination in response to the electronic money transfer request of the electronic money transfer request information after transmission of the electronic money transfer request information, And acquires the transaction approval number (S139).

When the transaction approval number is obtained, the electronic money payment server 400 determines whether the acquired transaction approval number is the determined transaction approval number (S141).

If the transaction approval count is equal to or greater than the transaction approval count, the electronic money payment server 400 transmits a sales approval notification message to the product sales department 200 (S143).

At this time, the electronic money payment server 400 has not actually received the electronic money remitted through the block-chain network.

However, if the transaction approval number is greater than or equal to the transaction approval number, the electronic money settlement server 400 may set the seller to the sales price of the electronic money amount of the sales money sent to the electronic wallet of the seller corresponding to the goods sale unit 200 And stores the electronic money corresponding to the proposed selling price. In the case of Table 1, when the electronic money payment server 400 receives 1.5 BTC, only the sales amount of 1 BTC is paid in sales price.

That is, from the time of sending the sales approval notification message, the seller can use the electronic money or the converted cash for the sales amount received in the electronic wallet of his account. That is, the electronic money settlement server 400 remits the electronic money corresponding to the sales proceeds after the success (not shown) performed by the merchandise sales department 200 or the seller by the seller authentication to the other electronic wallet of the goods sales department 200 (S145), or transfer the money to the deposit account of the seller registered in advance after exchanging the converted cash amount corresponding to the electronic money of the selling price.

In addition, the electronic money payment server 400 checks whether electronic money is received after transmission of the sales approval notification message (S147).

When the electronic money is received, the electronic money payment server 400 stores the electronic money of the transfer information in its electronic wallet (S149), and then notifies the completion of the transaction by transmitting a transaction completion control message to the purchaser terminal unit 100 (S151).

When the buyer's electronic money is substantially received and stored, the electronic money settlement server 400 updates the operation premium amount excluding the electronic money amount corresponding to the sales amount among the electronic money amounts reflecting the application date according to the distribution ratio of the premium setting information Distributor of additional profits and operator operating funds to provide to the seller and operator.

In the case of Table 1 above, 1BTC of 1.5 BTC electronic money received from the purchaser is prepaid to the seller, and 0.5BTC operating premium amount excluding advance payment is 0.25 (1: 1) according to the distribution ratio of the seller and operator Distributes BTC to sellers and operators. The distributed operating premium amount may be stored in the electronic wallet of the seller and the electronic wallet of the operator or may be converted into cash according to the most appropriate electronic money market information and deposited into the deposit account of each of the seller and the operator.

In addition, the operation premium amount may be distributed and distributed in the transaction deeming step satisfying the condition that the transaction approval number is equal to or greater than the transaction approval number.

FIG. 5 is a flow chart specifically illustrating a process of applying the payment method in the electronic money settlement server of the electronic money settlement system using the electronic money ticker according to the present invention, And receiving the request information.

Referring to FIG. 5, when the buyer's quote information and the seller's quote information, which are electronic money quotation information of the buyer's country and the seller's country, are determined (S211), the server control unit 450 sets the quoted rate of the premium setting information (S213), and applies the buyer's quote information, the seller's quote information, and the loaded quotation ratio to the above-mentioned Equation (1) (S214).

When the application date is calculated, the server control unit 450 converts the purchase amount into the electronic money amount in accordance with the calculated application date (S215).

At this time, the exchanged electronic money amount may be provided to the buyer terminal unit 100 and the seller terminal unit 200 and displayed (S217).

When the exchange has been completed, the server control unit 450 transmits the electronic money transfer request information including the electronic money amount information of the exchanged electronic money amount to the buyer terminal unit 100 (S219).

After the transmission of the electronic money transfer request information, the server control unit 450 determines the number of transaction approval approvals corresponding to the purchase amount (S221).

When the number of transaction approval approvals is determined, the server control unit 450 acquires the transaction approval number from the remittance information of the transaction requesting the remittance of the electronic money from the block chain network (S223).

When the transaction approval number is obtained, the server control unit 450 determines whether the transaction approval number is equal to or greater than the transaction approval number (S225).

If the transaction approval count does not satisfy the transaction approval count, the server control unit 450 checks whether an approval failure occurs (S227). If the approval failure does not occur, the server control unit 450 repeats the above-described steps S223 to S227.

If an approval failure occurs in a state where the transaction approval number is less than the transaction approval number, the server control unit 450 notifies both the buyer terminal unit 100 and the goods sale unit 200 of the transaction cancellation (S229).

On the other hand, if the transaction approval count is equal to or greater than the transaction approval count, the server control unit 450 generates a sales approval notification message and transmits the message to the product sales unit 200 (S231).

After the transmission of the approval notification message, the server control unit 450 checks whether electronic money is received (S233).

When the electronic money is received, the server control unit 450 stores the electronic money remitted by the purchaser in its electronic wallet (S241).

After storing the received electronic money, the server control unit 450 distributes the operating premium amount excluding the selling price paid to the seller among the amount of the stored electronic money to the seller and the operator according to the distribution ratio included in the premium setting information (S243).

In addition, the server control unit 450 transmits a transaction completion notification message to the buyer terminal unit 100 after storing the electronic money or distributing and paying the premium premium amount (S245).

While the present invention has been described with reference to exemplary embodiments, 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 appended claims. It will be easily understood. It is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, it is intended to cover various modifications within the scope of the appended claims.

100: a purchaser terminal unit 101: a purchaser terminal
102: Payment terminal 200: Commodity sales department
210: Sales storage unit 220: Sales communication unit
230: Sales display unit 240: Sales input unit
250: sales control unit 251: product sales processing unit
252: Electronic money settlement means providing unit 253: Electronic money settlement processing unit
300: Exchange server 400: Electronic money settlement server
410: server storage unit 420: server communication unit
430: server display unit 440: server input unit
450: server control unit 451: payment request event monitoring unit
452: a country identifying section 453: an exchange market price collecting section
454: Electronic Money Exchange Unit 455: Exchange Evaluation Unit
456: Premium setting unit 457: Price calculation unit
458: Electronic money amount conversion unit 459: Electronic money transfer request unit
460: Transaction processor 461: Electronic money transferring unit

Claims (23)

A payment request event monitoring unit monitoring whether payment request information including seller information, purchase amount information, and terminal information according to purchase of a product sold by an arbitrary merchandise sales unit from any one of a buyer terminal unit and a goods sale unit is received;
A country identification unit for detecting a country of the buyer and a seller when payment request information is received through the payment request event monitoring unit;
An exchange market price collecting unit for collecting seller quotation information and buyer quotation information of electronic money from an exchange server of the electronic money exchange of each of the detected seller country and buyer country;
Determines the application price between the seller's quotation of the seller's quote information and the buyer's quote information of the buyer's quote information according to the collected quotation information of the seller's quote information, the buyer's quote information, and the preset premium setting information, To an electronic money amount according to the determined application period;
Electronic money transfer request information for requesting transfer of the electronic money including electronic wallet address information to receive electronic money corresponding to the exchanged electronic money amount is transmitted to the buyer terminal unit and the goods sale unit An electronic money transfer requesting unit for transferring at least one electronic money; And
After transferring the electronic money transfer request information, the electronic money remitted from the block chain network to the electronic wallet address of the electronic money transfer request information is stored in the electronic wallet of the seller and processed according to the electronic money processing request by the seller And a transaction processing unit. The electronic money payment server utilizes a country-specific electronic money ticker.
The method according to claim 1,
The electronic money exchange unit
A premium setting unit for setting a quotation rate for adjusting the discount amount of the purchaser and the operating premium amount ratio;
The application price between the seller's quotation of the seller's quote information and the buyer's quote of the buyer's quote information selected according to Equation 1 below according to the ticker ratio of the selected seller quotation information and buyer quotation information, A quotation calculation unit for determining the price; And
And an electronic money amount conversion unit for converting the purchase amount of the purchase amount information to an electronic money amount according to the determined application date.
[Equation 1]

3. The method of claim 2,
The electronic money exchange unit
Further comprising an exchange evaluation unit for determining whether the seller's ticker information is overvalued from the buyer's quote information and outputting the seller's exchange's overvalued price information when the seller's ticker information is overvalued,
Wherein,
And when the exchange's overvalue situation information is input from the exchange evaluation section, the application fee is determined.
3. The method of claim 2,
The premium setting unit,
The sales premium amount, which is the profit generated from the purchasing amount remitted from the buyer according to the ticker ratio, is further set by the seller and the operator distribution ratio for the seller and the operator to receive the distribution,
The transaction processing unit,
And distributes the operating premium amount generated according to the quotation ratio to the seller and the operator in accordance with the distribution ratio when the merchandise is stored in the electronic wallet of the seller and further distributes to the seller the distribution amount for the seller. Electronic money payment server using electronic money ticker.
The method according to claim 1,
The transaction processing unit,
The electronic money transfer request information is transmitted from the block chain network to the electronic wallet address of the electronic money transfer request information after the transfer of the electronic money transfer request information, The electronic money remitted by the purchaser terminal unit is regarded as received when the transaction approval number is greater than the transaction approval number, and the electronic money remitted by the seller Wherein the electronic money transaction server processes the transaction corresponding to the payment request at the time of the payment request for the received electronic money, which is the sale price.
6. The method of claim 5,
The transaction processing unit,
If the number of deal approval times is equal to or more than the deal approval number of times per transaction, the electronic money for the buyer's purchase amount is regarded as received,
When the electronic money is received, providing a transaction completion message to at least one of the buyer terminal unit and the goods sale unit,
And the electronic money or the cash for the purchase amount is provided to the seller at the time of the payment request of the seller even if the transaction approval number is greater than or equal to the transaction approval number and the electronic money is not received. Money payment server.
6. The method of claim 5,
The transaction processing unit,
And sets the transaction acceptance count to 1 to 3 if the purchase amount is less than the first amount and to 0 if the purchase amount is less than the first amount, And the number of transaction approval approvals is set to any one of 4 to 6. The electronic money payment server according to claim 1,
A merchandise sales unit for providing the merchandise information on a plurality of merchandise to sell the merchandise and making a payment request corresponding to the payout for the sale of the merchandise;
A purchaser terminal unit for transferring an electronic money amount corresponding to a purchase amount for purchasing a product through the merchandise sales unit to the electronic wallet address through an electronic money through a block chain network;
At least two exchange servers installed in an electronic money exchange and managing ticker information for the electronic money that fluctuates with time and providing ticker information when a ticker information request is generated; And
When the payment request information is received from any one of the buyer terminal unit and the merchandise sale unit, it detects the country of each of the buyer and the seller from the payment request information, requests the exchange server of the seller country and the buyer country that are detected, And calculates an electronic money amount for the purchase amount by determining the application date according to the time difference based on the received seller quotation information, the buyer quotation information, and the preset premium setting information, And an electronic money settlement server for receiving the electronic money corresponding to the electronic money amount through the block chain network by transmitting electronic money transfer request information requesting the remittance of the electronic money amount to at least one of the electronic money settlement server Pay-to-pay feature that reflects ticker information Electronic money payment system.
9. The method of claim 8,
The electronic money payment server comprises:
A payment request event monitoring unit monitoring whether payment request information including seller information, purchase amount information, and terminal information according to purchase of a product sold by an arbitrary merchandise sales unit is received from any of a former buyer terminal unit and a goods sale unit;
A country identification unit for detecting a country of the buyer and a seller when payment request information is received through the payment request event monitoring unit;
An exchange market price collecting unit for collecting seller quotation information and buyer quotation information of electronic money from an exchange server of the electronic money exchange of each of the detected seller country and buyer country;
Determines the application price between the seller's quotation of the seller's quote information and the buyer's quote information of the buyer's quote information according to the collected quotation information of the seller's quote information, the buyer's quote information, and the preset premium setting information, To an electronic money amount according to the determined application period;
Electronic money transfer request information for requesting transfer of the electronic money including electronic wallet address information to receive electronic money corresponding to the exchanged electronic money amount is transmitted to the buyer terminal unit and the goods sale unit An electronic money transfer requesting unit for transferring at least one electronic money; And
After transferring the electronic money transfer request information, the electronic money remitted from the block chain network to the electronic wallet address of the electronic money transfer request information is stored in the electronic wallet of the seller and processed according to the electronic money processing request by the seller And a transaction processing unit. The electronic money settlement system using the electronic money ticker according to each country.
10. The method of claim 9,
The electronic money exchange unit
A premium setting unit for setting a quotation rate for adjusting the ratio of the discount amount of the purchaser and the operation preliminary amount;
The application price between the seller's quotation of the seller's quote information and the buyer's quote of the buyer's quote information selected according to Equation 1 below according to the ticker ratio of the selected seller quotation information and buyer quotation information, A quotation calculation unit for determining the price;
And an electronic money amount conversion unit for converting the purchase amount of the purchase amount information into an electronic money amount according to the determined application period.
[Equation 1]

11. The method of claim 10,
The electronic money exchange unit
Further comprising an exchange evaluation unit for determining whether the seller's ticker information is overvalued from the buyer's quote information and outputting the seller's exchange's overvalued price information when the seller's ticker information is overvalued,
Wherein,
And when the exchange's overvalue situation information is inputted from the exchange evaluation section, the application fee is determined.
11. The method of claim 10,
The premium setting unit,
The sales premium amount, which is the profit generated from the purchasing amount remitted from the buyer according to the ticker ratio, is further set by the seller and the operator distribution ratio for the seller and the operator to receive the distribution,
The transaction processing unit,
And distributes the operating premium amount generated according to the quotation ratio to the seller and the operator in accordance with the distribution ratio when the merchandise is stored in the electronic wallet of the seller and further distributes to the seller the distribution amount for the seller. Electronic money billing system using electronic money ticker.
10. The method of claim 9,
The transaction processing unit,
The electronic money transfer request information is transmitted from the block chain network to the electronic wallet address of the electronic money transfer request information after the transfer of the electronic money transfer request information, The electronic money remitted by the purchaser terminal unit is regarded as received when the transaction approval number is greater than the transaction approval number, and the electronic money remitted by the seller Wherein the transaction processing unit processes the transaction corresponding to the payment request at the time of the payment request for the received electronic money, which is the sale price, by using the electronic money ticker in each country.
14. The method of claim 13,
The transaction processing unit,
If the number of deal approval times is equal to or more than the deal approval number of times per transaction, the electronic money for the buyer's purchase amount is regarded as received,
When the electronic money is received, a transaction completion message is provided to at least one of the buyer terminal unit and the goods sale unit,
And the electronic money or the cash for the purchase amount is provided to the seller at the time of payment request of the seller even if the number of times the transaction is considered to be approved and the authorization fails before receiving the electronic money, Money payment system.
14. The method of claim 13,
The transaction processing unit,
And sets the transaction acceptance count to 1 to 3 if the purchase amount is less than the first amount and to 0 if the purchase amount is less than the first amount, And the number of transaction acknowledgment approvals is set to any one of 4 to 6. The electronic money payment system using the electronic money ticker according to each country.
The electronic money payment server monitors whether the payment request information including the seller information, the purchase amount information, and the terminal information based on the purchase of the commodity sold by the arbitrary commodity sales department from the purchaser terminal unit and the commodity sales department is received through the settlement request event monitoring unit A payment request event monitoring process;
A country identifying step of detecting the country of the buyer and the seller through the country identification unit when the settlement request information is received through the settlement request event monitoring unit of the electronic money settlement server;
The electronic money settlement server collecting the seller's quotation information and the buyer's quote information of the electronic money from the exchange server of the electronic money exchange of each of the detected seller country and the buyer country via the exchange market collecting unit;
An application between the seller's quotation of the seller's quotation information and the buyer's quotation of the buyer's quote information in accordance with the quotation of the seller quotation information, the buyer quotation information, and the preset premium setting information collected by the electronic money settlement server through the electronic money exchange unit An electronic money exchange process for exchanging a purchase amount of the purchase amount information with an electronic money amount according to the determined application date after determining a quotation;
Wherein the electronic money settlement server includes electronic wallet address information for receiving electronic money corresponding to the exchanged electronic money amount through an electronic money transfer requesting unit to send electronic money transfer request information requesting remittance of the electronic money to the terminal information To the purchaser terminal unit and the goods sale unit corresponding to the electronic money transfer request process; And
The electronic money payment server stores the electronic money remitted to the electronic wallet address of the electronic money transfer request information from the block chain network in the electronic wallet of the seller after transferring the electronic money transfer request information through the transaction processing unit, And an electronic money settlement method using the electronic money money market by country,
17. The method of claim 16,
The electronic money exchange process includes:
A premium setting step of setting a quotation rate for adjusting the ratio of the discount amount of the purchaser and the operation premium amount through the premium setting unit;
Between the seller's quotation of the seller's quote information selected as shown in Equation (1) and the buyer's quotation of the buyer's quote information according to the quotation of the seller's quote information and buyer's quote information selected through the quotation calculator, A price calculation step of determining an application price of the product; And
And an electronic money amount conversion step of converting the purchase amount of the purchase amount information into the electronic money amount according to the determined application period through the electronic money amount changing part. .
[Equation 1]

17. The method of claim 16,
The electronic money exchange process includes:
An electronic commerce settlement server deciding an electronic commerce settlement price based on a minimum price among the quotations of the electronic commerce exchange information collected by the electronic commerce exchange unit according to a predetermined minimum price selection condition; And
And an electronic money exchange step of exchanging the purchase amount of the purchase amount information with an electronic money amount according to the determined application date.
17. The method of claim 16,
The electronic money exchange process includes:
And an exchange valuation step of determining whether the seller's ticker information is overvalued through the exchange valuation unit if the valuation information is higher than the buyer's quote information,
Wherein the electronic cash settlement server determines the application quotation when the exchange's overvaluation situation information is input from the exchange valuation unit in the market calculation step.
3. The method of claim 2,
The premium setting step includes:
A quotation ratio setting step of setting a quotation rate for adjusting the ratio of the discount amount of the buyer and the premium amount of operation through the premium setting unit; And
And a distribution ratio setting step of setting a distribution ratio of a seller and an operator for distributing the operating premium amount, which is the profit generated from the purchase amount remitted from the buyer according to the ticker ratio,
The transaction processing includes:
A payout receiving step of receiving the electronic money remitted from the block chain network to the electronic wallet address of the electronic money transfer request information after transferring the electronic money transfer request information; And
And distributing the operating premium amount generated according to the quotation ratio to the seller and the operator in accordance with the distribution ratio, and further paying the distributor to the seller for the distribution amount to the seller. An electronic money settlement method using a money market car.
17. The method of claim 16,
The transaction processing includes:
Acquiring a transaction approval number of times for the electronic money remitted from the block chain network to the electronic wallet address of the electronic money transfer request information after transferring the electronic money transfer request information;
If the number of transaction approval times set in advance according to the purchase amount is compared with the obtained transaction approval number and the electronic money remitted by the purchaser terminal unit is deemed to have been received when the transaction approval number exceeds the transaction approval number A step of receiving a payout electronic money; And
And a transaction processing step of processing a transaction corresponding to a payment request at the time of payment request for the received electronic money in which the seller of the seller information is paid for the electronic money from the time of reception of the electronic money, An electronic money settlement method using a car.
22. The method of claim 21,
The transaction processing includes:
An electronic money reception judging step of checking whether electronic money is received; And
And a transaction completion notifying step of, when the electronic money is received, transmitting a transaction completion message to at least one of the buyer terminal unit and the commodity sale unit remitting the electronic money, And an electronic money settlement method.
23. The method of claim 22,
The transaction processing includes:
An approval failure monitoring step of checking whether an approval failure occurs in the electronic money payment server;
Wherein the electronic money settlement server maintains a transaction for electronic money received by the seller when the approval failure occurs; And
Wherein the electronic money settlement server includes an approval failure notifying step of notifying an acceptance failure to the buyer terminal unit that remitted the electronic money when an approval failure occurred, Payment Method.

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