KR20190088193A - Method for providing charge saving uby using crypto-currency and server thereof - Google Patents

Abstract

The present invention relates to a method for providing a change saving service using cryptocurrency and a server performing the same. The method for providing a change saving service, which is performed by the server, comprises the steps of: receiving a change saving request including information on a change amount which is a saving target and a saving person; comparing a first amount, which is an amount of adding the change amount to a change saving amount of the saving person, and a minimum transaction unit of cryptocurrency; renewing the change saving amount of the saving person into the first amount when the first amount is less than the minimum transaction unit; and processing to purchase the cryptocurrency by a second amount corresponding to the minimum transaction unit from the first amount and renewing the change saving amount of the saving person into a third amount which is an amount of subtracting the second amount from the first amount when the first amount is equal to or greater than the minimum transaction unit.

Description

TECHNICAL FIELD [0001] The present invention relates to a method for providing a coin collection service using an encrypted currency, and a server for performing the method.

The present invention relates to a method of providing a service that allows a change to be made in a store or the like to be accumulated.

When a customer purchases a product or service at a general store or store and makes a payment by cash, change may be made for the difference, and the seller may have to pay change for the change as a coin.

As a result, the seller has to incur the inconvenience that a certain amount of coins must be secured as reserves for the reserve by injecting labor and expenses before opening the store every day. In addition, since the cashier counts each coin for each transaction and takes a certain amount of time to pay change, the waiting time of the customer occurs, which causes the dissatisfaction of the customer to the seller to increase, There is a possibility that opportunity cost is lost, for example, there is a possibility that the sales opportunity of the customer is reduced.

On the other hand, when the customer receives change such as a coin due to change, the coin occupies a large volume and weight.

Also, since coins are used in wallets or pockets, they are not as valuable as they are when they are needed, and they take up a lot of volume and weight, so customers do not carry it but store them in storage areas such as drawers and piggy banks. As a result, crowded coins are not used for a long period of time, and are often used as bosses. However, coins and other currencies must be circulated without being sold. If coins are not used and they are gathered in one place, coins circulated in the market will be shortened and coins must be issued again. Therefore, the cost of ticketing increases, There is a problem that results in waste.

Disclosure of Invention Technical Problem [8] The present invention aims to provide a method of providing a coin-exchange service using an encrypted currency, which enables efficient processing of coin collection, and a server for performing the method.

A method of providing a coin-exchange service using an encrypted currency according to an embodiment of the present invention includes receiving a coin-deposit request including a coin amount and an accumulator, the coin- Comparing a first amount of money of the earner plus the change amount to a minimum transaction unit of the encryption currency; If the first amount is less than the minimum transaction unit, updating the reserve fund of the earner with the first amount; And when the first amount is greater than or equal to the minimum transaction unit, processing the encrypted currency to be purchased with a second amount corresponding to the minimum transaction unit of the first amount, And updating the second amount to a third amount that is a subtraction of the second amount.

A management server according to an embodiment of the present invention includes a communication unit for communicating with a payment terminal device to provide a change deposit service and receiving a change deposit request including information on a change amount and an accumulation object from a payment terminal; Comparing the first amount obtained by adding the change amount to the change money reserve of the earner with the minimum transaction unit of the encryption currency and updating the reserve money reserve of the earner to the first money when the first money amount is less than the minimum transaction unit Management; And a control unit to process the encrypted currency with a second amount corresponding to the minimum transaction unit of the first amount when the first amount is greater than or equal to the minimum transaction unit, If the first amount is equal to or greater than the minimum transaction unit, the reserve fund of the earner is updated to the third amount obtained by subtracting the second amount from the first amount.

On the other hand, the method of providing the change-exchange service may be implemented as a computer-readable recording medium having a program recorded thereon for execution on a computer, and may be provided as a program itself.

According to an embodiment of the present invention, when the amount of money to be added is added to the savings account, the amount of money is compared with the minimum transaction unit of the encryption currency, and when the amount is equal to or greater than the minimum transaction unit, By doing so, it is possible to greatly reduce the human, material, and temporal costs that a seller takes to prepare coins, such as coins, and to make efficient use of the coins accumulated in conjunction with the encrypted currency.

1 is a block diagram showing an embodiment of a configuration of a change deposit system according to the present invention.
2 is a block diagram illustrating a configuration of a management server according to an embodiment of the present invention.
FIG. 3 is a flowchart illustrating a method of providing a changeable service performed by a management server according to an exemplary embodiment of the present invention. Referring to FIG.
FIG. 4 is a timing chart for explaining a first embodiment of a method for providing a change accumulation service in the change accumulation system according to the present invention.
5 is a diagram for explaining an embodiment of a user interface (UI) provided in a user terminal for a change-taking service.
FIG. 6 is a timing chart for explaining a second embodiment of a method for providing a change accumulation service in the change accumulation system according to the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Reference will now be made in detail to the preferred embodiments of the present invention, examples of which are illustrated in the accompanying drawings, wherein like reference numerals refer to the like elements throughout.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

It is to be understood that both the foregoing general description and the following detailed description of the present invention are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. The configuration is omitted as much as possible, and a functional configuration that should be additionally provided for the present invention is mainly described.

Those skilled in the art will readily understand the functions of components that have been used in the prior art among the functional configurations that are not shown in the following description, The relationship between the elements and the components added for the present invention will also be clearly understood.

The term "settlement terminal device" as used herein refers to a POS terminal for providing a settlement service of card information read from a customer's card by using a general IC card reader unit or a magnetic strip reader other than the operation according to the embodiment of the present invention A terminal or a CAT terminal and may include a typical payment terminal having a POS unique function for managing a point-of-sale and an electronic payment function through a customer card having at least one payment means.

In addition, in recent years, functions of a payment terminal device can be combined with a portable terminal. As a payment terminal device, a mobile phone, a smart phone, a laptop computer, (Personal Digital Assistants), PMP (Portable Multimedia Player), navigation, and the like. The present invention is not limited to this, and various devices capable of user input and information display may be included in the payment terminal.

1 is a block diagram of a configuration of a change deposit system according to the present invention. The system includes a settlement terminal apparatus 100, a user terminal 150, a management server 200, A server 300, and the like.

1, if there is a credit card payment using a credit card or the like at an affiliated store equipped with the settlement terminal device 100, the settlement terminal device 100 reads the card information from the credit card of the buyer, And transmits it to the payment relay server (not shown).

The payment terminal device 100 includes means (for example, a magnetic reader, an IC card reader, or an NFC reader) for reading card information from a buyer's card and communicates with a payment relay server using a wired or wireless Internet Such as a personal computer (PC), a mobile phone, a tablet, or the like, but the present invention is not limited thereto.

For example, the payment terminal device 100 may be realized in the form of a point-of-sale (POS) system in combination with the store sales system in addition to the functions described above, or may be implemented as a POS And a CAT (Card Authorization Terminal).

On the other hand, the settlement terminal 100 is provided with a settlement program, and the settlement processing can be performed by transmitting a transaction approval request message to the settlement relay server using the settlement program and making an approval request.

The payment terminal device 100 may also output a message or a slip containing a receipt related to transaction approval or cancellation upon transaction approval or cancellation, or generate a message or slip containing a receipt related to issuance or cancellation of the cash receipt and output can do.

According to an embodiment of the present invention, when the cash settlement is performed at the merchant equipped with the settlement terminal device 100, the customer can request the accumulation of the remaining change according to the settlement.

At this time, the customer can inform the franchisee of the creditor information about the customer himself or request the change card to the franchisee to request the change deposit.

Here, the change card may be purchased by the customer, or may be provided to the customer by a fee or free of charge from the merchant. In addition, the change card may be a radio frequency (RF) non-contact type card, and the customer can request the merchant to accumulate the change due to the cash settlement by tagging the change card to the payment terminal 100.

In this case, the payment terminal device 100 may transmit to the management server 200 a change deposit request including information on the amount of money to be deposited and the payee in accordance with the change deposit request of the customer.

The management server 200 is a server for processing the requested deposit from the payment terminal device 100. The server 200 manages the state of the change in each customer and stores the changed money in the encrypted money exchange server 300 of the present invention.

According to an embodiment of the present invention, the above-described management server 200 can be performed by the payment relay server for processing payment by communicating with the payment terminal device 100. For example, The change request requested from the payment terminal device 100 by the server of the VAN company that relays the electronic settlement may be performed.

On the other hand, the "payment relay server" may correspond to various types of financial servers such as a card company server related to a credit card electronic settlement in addition to the server of the VAN company as described above. Depending on the specific function, Function and other additional functions may be referred to as servers which are separated and operated as separate servers.

The user terminal 150 may be implemented with various devices such as a smart phone, a tablet computer, a notebook computer, a personal digital assistant (PDA), a portable multimedia player (PMP), a smart glass,

Here, the user terminal 150 may be provided with a change card function unit which enables the change money to be accumulated and enables the accumulated change money to be used. Here, the change card function unit may provide the change card function described above in connection with the configuration of the change card function application installed in the user terminal 150 and the configuration of the user terminal 150.

On the other hand, the encryption currency exchange server 300 is a server that enables the purchase and sale of encryption money between users, and can provide information about the current price of the encrypted currency, etc. in addition to the function for the transaction of the encrypted money .

Encrypted money is a type of electronic money that remains in the form of information on computers, such as bank notes or coins, and is traded only online, and is also called virtual money.

The encryption currency may be bit coin, etherium, bit coin cache, ripple, light coin, dash, mono, ios, bit coin gold, etc. However, the present invention is not limited thereto, Can be linked to the change accumulation according to.

According to an embodiment of the present invention, when the amount of money to be added is added to the savings account, the amount of money is compared with the minimum transaction unit of the encryption currency, and when the amount is equal to or greater than the minimum transaction unit, By doing so, it is possible to greatly reduce the human, material, and temporal costs that a seller takes to prepare coins, such as coins, and to make efficient use of the coins accumulated in conjunction with the encrypted currency.

Hereinafter, the configuration and operation of the management server 200 constituting the change deposit system 10 according to the present invention will be described in detail with reference to FIG. 2 and FIG.

The management server 200 includes a communication unit 210, a control unit 220, a reserve management unit 230, and a database 240. The communication unit 210, the control unit 220, As shown in FIG.

2, the communication unit 210 of the management server 200 communicates with the settlement terminal 100, the user terminal 150, and the encrypted money exchange server 300 to exchange data, and transmits and receives data .

The communication unit 210 receives a change deposit request including the change amount to be deposited and information on the payee from the payment terminal 100 and transmits an encrypted money purchase request to the exchange server 300. The exchange server 300 ) Of the encrypted currency purchase history information.

The reserve management unit 230 manages the change deposit funds processed according to the change deposit request according to each earner, and can manage the encrypted currency purchase details using the change deposit reserve for each earner.

Encrypted currencies can be traded in decimal units if the price of each piece of encrypted currency is high.

However, the minimum unit of the encrypted currency that can be traded through the exchange is fixed, and the minimum transaction unit of the encrypted currency may be different depending on the kind of the encryption currency and the exchange.

For example, for a bit coin, the minimum trading unit may be 0.0001 BTC, and the minimum trading unit may vary as the price per bit coin increases or decreases.

In the case where the minimum transaction unit of the encrypted currency is determined for each exchange as described above, when the change reserve is smaller than the converted amount of the minimum transaction unit, it is difficult to purchase the encrypted currency using the change reserve, It may be necessary for the management server 200 to determine whether or not to purchase the encrypted currency by comparing the reserve deposit of the specific earner with the minimum transaction unit of the encrypted currency.

For this purpose, the management server 200 receives the information on the minimum transaction unit and the current price of the encrypted currency from the exchange server 300 and, based on the received encrypted currency related information, correlates the reserve of the specific accumulator with the encrypted currency You can manage it.

When the change request is received through the communication unit 210, the first amount of money, which is the sum of the change amount requested to be accumulated in the change deposit of the relevant earner, is calculated, and the calculated first amount is compared with the minimum transaction unit of the encrypted currency have.

According to the comparison result, when the accumulated first amount is less than the minimum transaction unit of the encrypted currency, the reserve management unit 230 can update the reserve fund of the corresponding accumulator to the first amount.

For example, if the first amount accumulated to date is 1,400 won, the current price of the bit coin, which is the encrypted currency to be purchased, is 15,000,000 won, and the minimum coin transaction unit of the exchange is 0.0001 BTC, If the unit is converted, the reserve management unit 230 can update the reserve amount to 1,400 KRW since it is 0.000093 BTC which is less than the minimum transaction unit.

On the other hand, if the first amount is equal to or greater than the minimum transaction unit of the encrypted currency, the control unit 220 may process the encrypted currency to be purchased with the second amount corresponding to the minimum transaction unit among the first amounts accumulated so far.

In this case, the reserve management unit 230 may update the reserve fund of the relevant accumulator to the third amount obtained by subtracting the second amount from the first amount.

Here, the second amount corresponding to the minimum transaction unit may be an amount corresponding to a multiple of the encrypted currency minimum transaction unit as the first amount or less.

For example, if the first amount accumulated to date is 1,400 won, the current price of the bit coin, which is the encrypted currency to be purchased, is 13,000,000 won, and the minimum coin transaction unit of the exchange is 0.0001 BTC, The control unit 220 processes 0.0001 BTC corresponding to 0.0001 BTC, which is the minimum transaction unit, to 0.0001 BTC, and the reserve management unit 230 processes the BTC to be 1,400 won (the first amount) (Third amount) remaining after subtracting 1,300 won (the second amount) used in the purchase of the bit coin from the redeemed amount, and the remaining 100 won (third amount) can be renewed with the reserve money of the earner.

However, if the transaction is permitted for all amounts above the minimum transaction unit in the Encryption Money Exchange, if the first amount is greater than or equal to the amount corresponding to the Encryption Currency Minimum Transaction Unit, then the second amount corresponding to the minimum transaction unit is the first It may be equal to the amount.

For example, if the first amount accumulated to date is KRW 1,400, the current price of the bit coin, which is the encrypted currency to be purchased, is 13,000,000 KRW, and the minimum coin transaction unit of the exchange is 0.0001 BTC, (The first amount) is used for the purchase of the bit coin, and the reserve money (the third amount) of the earner may be 0 yen because it is more than 1,300 won corresponding to the unit 0.0001 BTC.

In addition, the encrypted money purchase details purchased using the details of the shortfall reserve funds and the shortfall reserve funds that are updated as described above can be stored in the database 240.

FIG. 3 is a flowchart illustrating an embodiment of a method of providing a change-taking service performed by the management server according to the present invention. The method shown in FIG. 3 is a configuration of a management server according to an embodiment of the present invention, Will be described in conjunction with the block diagram of FIG. 3 will not be described below. FIG. 3 is a flowchart illustrating a method of performing a method according to an embodiment of the present invention.

Referring to FIG. 3, the communication unit 210 of the management server 200 receives a change deposit request including the change amount to be added and the identification information of the payee from the payment terminal 100 (step S310).

For example, the encrypted cash exchange ID (or the general ID), the telephone number, or the QR code of the relevant earner is input from the payment terminal device 100 as identification information for the earliest person and is received from the payment terminal device 100 .

The control unit 220 calculates the first amount accumulated up to now by adding the change amount requested to be accumulated in the change deposit of the relevant earner, and compares the first amount with the minimum transaction unit of the encryption currency in step S320.

For this purpose, the control unit 220 can search the database 240 by using the accumulator identification information (for example, the exchange ID, etc.) received in step S310, and confirm the reserve accumulation amount of the accumulator.

The information on the current price of the encrypted currency and the minimum transaction unit may be received from the exchange server 300 through the communication unit 210. The encrypted currency information may be transmitted periodically or periodically by the communication unit 210, For example, receiving a change-amount request, receiving a change-reserve confirmation request, or the like).

On the other hand, the encrypted currency information received from the exchange server 300 may be stored in the database 240.

The control unit 220 calculates the change amount (first amount) up to the present by adding the change amount requested to be deposited from the settlement terminal device 100 to the change deposit amount of the earner confirmed through the database 240, (The first amount) into the corresponding encrypted denomination unit based on the current quotation of the encrypted denomination received from the originator.

Thereafter, the control unit 220 determines whether the encrypted currency corresponding to the first amount thus accumulated is less than the minimum transaction unit of the encrypted currency (step S330).

If it is determined that the accumulated first amount is less than the minimum transaction unit of the encrypted currency, the reserve money reserve of the earner is updated to the accumulated first amount in step S340.

On the other hand, if the accumulated first amount is equal to or greater than the minimum transaction unit of the encrypted currency, the control unit 220 processes the encrypted currency to be purchased with a second amount corresponding to the minimum transaction unit of the first amount (step S350) The reserve manager 230 updates the reserve money of the earner with the third amount minus the second money from the first money (step S360).

For example, in step S350 for the encrypted currency purchase processing, the control unit 220 transmits an encrypted currency purchase request including the information about the encrypted currency exchange ID of the relevant creditor and the second amount to be used for the encrypted currency to the exchange server 300), so that the encrypted currency corresponding to the second amount can be purchased in the name of the corresponding earner.

When the encrypted currency purchase request is processed in the exchange server 300 and the purchase of the encrypted currency is completed, the information on the encrypted currency purchase history is received from the exchange server 300 through the communication unit 210, and the encrypted currency purchase history May be stored in the database 240.

Also, the encrypted currency purchase history information received from the exchange server 300 may be transmitted to the user terminal 150 through the communication unit 210.

In the above description, the embodiment of the present invention has been described by way of example in which the purchase of the encrypted currency is processed through the management server 200. However, the present invention is not limited to this, and according to another embodiment of the present invention, May be processed through the user terminal 150 owned by the relevant creditor.

For example, in step S350 for the encrypted currency purchase processing, the control unit 220 transmits an encrypted currency purchase notification including information on a second amount available for purchasing the encrypted currency to the user terminal 150 of the earliest , The creditor may access the exchange server 300 using the user terminal 150 to directly purchase the encrypted currency corresponding to the second amount.

FIG. 4 is a timing chart for explaining a first embodiment of a method for providing a coin collection service in the coin exchange system according to the present invention. Referring to FIG. 4, a method for purchasing an encrypted currency using a coin deposit A more detailed embodiment will be described.

4, the payment terminal 100 transmits a change deposit request to the management server 200 in order to accumulate the change, which has occurred in accordance with the cash settlement at the corresponding merchant, in step S401.

The management server 200 receives the information on the current price of the encrypted currency from the exchange server 300 (step S402), and determines whether to purchase the encrypted currency with the accumulated change deposit based on the received current price of the encrypted currency (Step S403).

As described with reference to Figs. 1 to 3, the management server 200 converts the deposit of the earner into the corresponding encrypted denomination based on the current price of the encrypted currency, and the encrypted denomination corresponding to the co- If the minimum transaction amount of the corresponding encryption currency is exceeded, the user can decide to purchase the encrypted currency using the change deposit.

In this case, the management server 200 transmits an encrypted currency purchase request to the exchange server 300 (step S404), and the exchange server 300 transmits the encrypted currency purchase request to the exchange server 300 in accordance with the purchase request received from the management server 200 Encrypted money can be processed to be purchased.

When the purchase of the encrypted currency is completed, the exchange server 300 transmits the information about the encrypted currency purchasing history to the management server 200 (step S405), and the management server 200 receives the encrypted currency from the exchange server 300 And transmits the encrypted purchase history information to the user terminal 150 (step S406).

On the other hand, the management server 200 transmits an accumulation completion message to the payment terminal 100 (Step S407).

5 is a view for explaining an embodiment of a user interface (UI) provided in a user terminal for a change deposit service. In the user terminal 150, The details of the reserve money and the purchase history of the encrypted currency using the change reserve may be displayed.

Referring to FIG. 5, it can be seen that KRW 1,400 is accumulated on December 1, 2017, and the reserve corresponds to 0.000093 BTC based on the bit rate coin (15,000,000 won / 1 BTC) Since it is less than 0.0001 BTC, it is not used for the purchase of encrypted currency but it remains as a reserve.

The management server 200 periodically accesses the exchange server 300 to receive information on the current price of the encrypted currency, converts the reserve money into an encrypted currency unit according to the periodically received encrypted currency transaction price, To the user terminal 150. [0050] FIG.

For this purpose, the management server 200 converts the deposit of the relevant earner into the unit of the encrypted currency based on the current price of the encrypted currency received from the exchange server 300, and transmits the information on the unit of the converted encrypted currency To at least one of the payee terminal 100 and the user terminal 150 of the payee.

On December 2, 2017, the price of bit coin dropped to 14,500,000 Won / 1 BTC, and the balance of 1,400 won, which corresponds to 0.000097 BTC, is less than 0.0001 BTC, which is the bit coin minimum transaction unit. And remains as a small change reserve.

On the other hand, the management server 200 converts the variable deposit into the encrypted denomination unit according to the periodically received encrypted currency transaction date, and when the encrypted currency corresponding to the change deposit is equal to or greater than the minimum transaction unit, Encrypted money can be processed to be purchased.

For this purpose, the management server 200 compares the cash deposit with the minimum transaction unit of the encryption currency according to the current price of the encrypted currency periodically received, and when the cash deposit reserve is equal to or greater than the minimum transaction unit of the encryption currency, Money can be processed to be purchased.

On December 3, 2017, the price of the bit coin dropped to 13,000,000 Won / 1 BTC, and the wage reserve of 1,400 won to date has reached 0.000108 BTC, which is more than 0.0001 BTC, the bit coin minimum transaction unit, The amount of 0.0001 BTC will be purchased in the amount of 1,300 won, which is a part of the reserve, and the remaining 100 won will remain in reserve.

On December 4, 2017, the amount of 1,000 won was added to the total amount of 1,100 won, and the price of bit coin increased to 14,000,000 won / 1 BTC. , Which is less than 0.0001 BTC, the bit coin minimum transaction unit, so it is not used for the purchase of the encrypted currency but remains in the reserve.

On Dec. 5, 2017, the amount of 1,000 won was added, the amount of change deposit increased to 2,100 won, the price of bit coin increased to 14,500,000 won / 1 BTC, and the amount of change deposit, 2,100 won, corresponds to 0.000145 BTC , Which is 0.0001 BTC or more, which is a bit coin minimum transaction unit. Therefore, 0.0001 BTC will be purchased in the amount of 1,450 won, which is one part of the small change deposit, in addition to the remaining amount of 650,000 won.

In the above, exchange fee among the amount for purchasing the encrypted currency is excluded. The exchange commission may be additionally considered in the step of determining whether to purchase the encrypted currency by comparing the minimum transaction unit of the encrypted money with the change fund reserve as described above.

For example, assuming that the exchange commission is 0.1% of the transaction amount, if the accumulated money reserve accumulated so far is equal to or greater than the amount corresponding to the encrypted currency minimum transaction unit plus the exchange commission, To purchase the encrypted currency.

In addition, when the variability of the encrypted currency price is large, it is also possible to determine whether or not the encrypted currency is purchased by comparing a value obtained by adding a certain amount to the current price of the encrypted currency and the change fund.

FIG. 6 is a timing chart for explaining a second embodiment of a method for providing a change deposit service in the change deposit system according to the present invention. The management server 200 transmits an encrypted currency purchase notification to the user terminal 150 Thereby allowing the user to purchase the encrypted currency through the user terminal 150. FIG. The description of the method shown in FIG. 6 that is the same as that described with reference to FIG. 1 to FIG. 5 will be omitted below.

Referring to FIG. 6, the payment terminal 100 transmits a change deposit request to the management server 200 in order to accumulate the change, which has occurred in accordance with the cash settlement at the corresponding merchant, in step S601.

The management server 200 receives the information on the current price of the encrypted currency from the exchange server 300 (step S602), and determines whether to purchase the encrypted currency with the accumulated change deposit based on the received current price of the encrypted currency (Step S603).

When the purchase of the encrypted currency is determined, the management server 200 transmits an encrypted currency purchase notification to the user terminal 150 (step S604), and the user terminal 150 transmits the encrypted currency purchase notification to the exchange server 300 And transmits a purchase request (step S605).

The exchange server 300 processes the encrypted currency to be purchased in the name of the corresponding earner according to the purchase request received from the user terminal 150. When the purchase of the encrypted currency is completed, the exchange server 300 transmits information on the encrypted currency purchase history to the user terminal 150 in step S606.

In this case, the user terminal 150 transmits the information about the encrypted currency purchasing history to the management server 200 (step S607), and the encrypted money purchase history along with the accumulation details of the earliest person is transmitted to the management server 200 The database 240 of FIG.

Meanwhile, the management server 200 transmits an accumulation completion message to the payment terminal apparatus 100 (Step S608).

Meanwhile, although the embodiment of the present invention has been described by way of example in which the coin collection service using the encrypted currency is processed through a specific exchange for a specific encrypted currency, the present invention is not limited to this, A service may be provided, and an encrypted currency may be purchased through a plurality of exchanges.

The methods according to one embodiment of the present invention described above can be produced as a program to be executed in a computer. In addition, the program can be stored in a computer-readable recording medium. Examples of the computer-readable recording medium include a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, And may also be implemented in the form of a carrier wave (e.g., transmission over the Internet).

The computer readable recording medium may be distributed over a networked computer system so that computer readable code can be stored and executed in a distributed manner. And, functional programs, codes and code segments for implementing the above method can be easily inferred by programmers of the technical field to which the present invention belongs.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, It will be understood by those skilled in the art that various changes and modifications may be made by those skilled in the art without departing from the spirit and scope of the present invention.

Claims (14)

A method of providing a change-exchange service of a management server,
Receiving a change deposit request including information on an amount of money to be accumulated and an accumulator;
Comparing a first amount of money of the earner plus the change amount to a minimum transaction unit of the encryption currency;
If the first amount is less than the minimum transaction unit, updating the reserve fund of the earner with the first amount; And
Processing the encrypted money to a second amount corresponding to the minimum transaction unit among the first amount when the first amount is greater than or equal to the minimum transaction unit, And the second amount is subtracted from the third amount. 2. The method of claim 1,
From the payment terminal of the merchant where the change has occurred,
Wherein the identification information includes at least one of an encrypted currency exchange ID, a telephone number, and a QR code. The method according to claim 1,
And receiving information on a minimum transaction unit of the encrypted currency from an encryption currency exchange server. The method according to claim 1, wherein the encrypted currency purchase processing step
And transmitting an encrypted currency purchase request including the encrypted money exchange ID of the payee and the information about the second money to the encrypted money exchange server. 5. The method of claim 4,
And receiving information on the purchase history of the encrypted currency from the encrypted currency exchange server and transmitting the received information to the user terminal of the earliest creditor. The method according to claim 1, wherein the encrypted currency purchase processing step
And transmitting an encrypted money purchase notification including information on the second money to the user terminal of the payee. The method according to claim 1,
Receiving information on a current price of the encrypted currency from an encryption currency exchange server;
Converting the payee reserve of the earner into a unit of the encrypted currency based on the current quotation of the received encrypted currency; And
And transmitting information on the unit of the converted encrypted currency to at least one of the user terminal of the rewarder and the payment terminal of the affiliate shop where the change is generated. The method according to claim 1,
Receiving information on a current price of the encrypted currency from an encryption currency exchange server;
Comparing the payee reserve of the earner with a minimum transaction unit of the encrypted currency according to the current price of the received encrypted currency;
And processing the encrypted currency to be purchased using the change deposit if the change deposit is greater than or equal to the minimum transaction unit. A server for communicating with a payment terminal device to provide a change deposit service,
A communication unit that receives a change deposit request including information on an amount of money to be deposited and an accumulation object from the payment terminal;
Comparing the first amount obtained by adding the change amount to the change money reserve of the earner with the minimum transaction unit of the encryption currency and updating the reserve money reserve of the earner to the first money when the first money amount is less than the minimum transaction unit Management; And
And a control unit for processing the encrypted currency to be purchased with a second amount corresponding to the minimum transaction unit among the first amounts when the first amount is greater than or equal to the minimum transaction unit,
Wherein the reserve management unit updates the reserve fund of the earner to a third amount obtained by subtracting the second amount from the first amount when the first amount is equal to or greater than the minimum transaction unit. 10. The apparatus of claim 9, wherein the control unit
And an encrypted currency purchase request including identification information on the accumulator and information on the second amount is transmitted to the encrypted currency exchange server through the communication unit. 10. The apparatus of claim 9, wherein the control unit
And an encrypted currency purchase notification including information on the second amount is transmitted to the user terminal of the rewarder through the communication unit. 10. The apparatus according to claim 9, wherein the communication unit
And periodically receives information on the current price of the encrypted currency from an encrypted currency exchange server. 13. The apparatus of claim 12, wherein the control unit
And the information on the unit of the encrypted currency is transmitted to the user terminal of the rewarder and the settlement of the account of the merchant where the change is made based on the current price of the encrypted currency, To be transmitted to at least one of the terminal devices. 13. The apparatus of claim 12, wherein the control unit
Comparing the deposit of the earner with the minimum transaction unit of the encrypted currency according to the current price of the received encrypted currency, and when the exchange reserve is equal to or larger than the minimum transaction unit, processing the encrypted money to be purchased using the exchange reserve money The server.

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