KR20190131789A - Real time payment method using cryptocurrency - Google Patents

Abstract

A cryptocurrency real time payment method is disclosed. The method guarantees that payment of merchandise using cryptocurrency is normal through performing authentication of cryptocurrency wallet address information of a buyer, cryptocurrency wallet address information of a seller, and merchandise information before a transaction apart from authentication of the transaction using a blockchain.

Description

Real time payment method using cryptocurrency}

The present invention relates to a payment method, and more particularly to a payment method using a cryptocurrency.

Cryptocurrency is a kind of digital currency, a payment method issued and managed by a developer, which can be used in a specific virtual community or even in the real world. Bitcoin is a well known cryptocurrency. In addition, more and more stores are adopting such cryptocurrency as a payment method in electronic commerce as well as offline commerce. However, payments using cryptocurrency require 0 to 6 confirmations. For reference, transaction creation is not required. This is called 0 confirmation. Therefore, transaction verification is required only for 1 to 6 confirms, and it takes about 10 minutes per confirm, and thus a transaction delay may occur. In particular, in the case of offline commerce, the buyer cannot leave the site due to a delay in transaction, which causes a problem that makes it difficult to use cryptocurrency as a payment method.

Meanwhile, Korean Patent Publication No. 10-1842476 discloses an electronic commerce method using electronic money. This e-commerce method compares the GPS information of the payer's smartphone and the transaction terminal to determine the location of the payer, and enables the transaction terminal to access the network through the payer's smartphone to purchase goods and pay the electronic money of the payer. It is.

Domestic Patent Publication No. 10-1842476 (announced March 27, 2018)

An object of the present invention is to provide a technical solution that can prevent transaction delay even when payment using cryptocurrency.

The cryptocurrency real-time payment method according to an aspect may include a code display step, a code extraction step, a purchase message transmission step, a sales message transmission step, a message reception step, a commerce approval step, and a transaction propagation step. In the code displaying step, the seller device may generate and display a code for commerce approval including the seller cryptocurrency electronic wallet address information stored therein and product information input from the seller. In the code extraction step, the purchaser device scans the screen for the transaction approval code, and extracts the cryptocurrency electronic wallet address information and the target product information from the scanned transaction approval code. In the purchase message transmission step, the purchaser device generates a purchase approval request message including the seller's cryptocurrency wallet address information stored therein and the seller's cryptocurrency wallet address information and product information extracted from the scanned authorization code to the commerce approval server. Can transmit In the selling message transmitting step, the seller device may generate a sale approval request message including the seller cryptocurrency electronic wallet address information and the product information, and the buyer cryptocurrency electronic wallet address information received from the buyer device, and transmit the same to the commerce approval server. In the message receiving step, the commerce approval server may receive a purchase approval request message from the buyer device, and receive a sale approval request message from the seller device. In the commerce approval stage, the commerce approval server checks the buyer's cryptocurrency wallet address information and seller's cryptocurrency wallet address information and product information included in the purchase approval request message, and the buyer's cryptocurrency wallet address information and seller included in the sales approval request message. Cryptocurrency e-wallet address information and product information are compared, and if the comparison result is matched, the purchaser device and the seller device can approve the transaction using the cryptocurrency. In the transaction propagation step, the purchaser device may generate a transaction so that the cryptocurrency corresponding to the selling product price is transferred from the buyer to the seller according to the commerce approval of the commerce approval server, and propagate it to the blockchain node of the blockchain network.

The cryptocurrency real-time payment method may further include a cryptographic information request step, a cryptographic information return step, and a cryptographic information reception step. In the cryptocurrency information request step, when the purchaser device completes the extraction by the code extraction step, the purchaser device may access the cryptocurrency exchange server and request the buyer's cryptocurrency holding balance information.In the cryptographic information return step, the cryptocurrency exchange server may request the buyer device. According to the cryptocurrency holding balance information request of the buyer, the cryptocurrency holding balance information of the buyer may be retrieved and transmitted to the purchaser device.In the cryptographic information receiving step, the buyer device may receive the cryptocurrency holding balance information from the cryptocurrency exchange server. . In addition, the purchase message transmission step may generate a purchase approval request message further including the cryptocurrency holding balance information received from the cryptocurrency exchange server, and the commerce approval step includes the sale of the legal fiat currency of the commodity information belonging to the product information included in the sale approval request message. Converts the product into cryptocurrency quotes to generate product cryptocurrency selling price information, compares the product cryptocurrency selling price information and the cryptocurrency holding balance information included in the purchase approval request message; Only purchasers and sellers can approve transactions using cryptocurrency.

When the purchase approval request message is received from the buyer device and the sale approval request message is received from the seller device, the commerce approval step requests and receives the cryptographic price information per fiat currency unit from the cryptocurrency exchange server, and receives the cryptographic price per the fiat currency unit received. The commodity cryptocurrency price information can be generated by converting a commodity price into cryptocurrency quotes based on the information.

The cryptocurrency real-time payment method may further include a blockchain confirmation selection step, a blockchain confirmation completion step, and an incentive payment step. In the blockchain confirmation selection step, when a buyer device accepts a transaction using cryptocurrency by a commerce approval server, the buyer asks the buyer to select one blockchain confirmation from 0 or 6 confirmations, and the buyer selects one blockchain confirmation. If present, the selected blockchain confirmation information can be provided to the seller device. In the blockchain confirmation completion step, the purchaser device may notify the seller device of the completion of the blockchain confirmation when the selected blockchain confirmation is completed. In the incentive payment step, when the seller device is notified of the completion of the blockchain confirmation, the incentive is paid to the buyer account, but the incentive can be paid only when the selected confirmation is 1 to 6 confirmations.

The incentive payment phase may pay incentives differentially depending on the number of confirmations selected.

As disclosed, normal payment using cryptocurrency is guaranteed by the commerce authorization server, so that even if one or more confirmations are required, the buyer does not have to wait for the confirmation to be completed. And this makes it possible to adopt the payment method of cryptocurrency that hesitated due to the delay of the transaction from the seller's point of view.

In addition, if the purchaser approves 1 to 6 confirmations, the buyer can pay the points or miles available for use at the retailer, thereby providing benefits to the buyer with time. For example, in the case of department stores, it is common for a buyer to shop for a long time, and after shopping at the store A, the shopper keeps shopping, and when the blockchain confirmation is notified, they stop by the store A and bring their buyer device to the seller device. By informing the completion of blockchain confirmation, it is possible to receive a predetermined incentive.

1 is a block diagram of a cryptocurrency payment system according to an embodiment.
2 is a flowchart of a cryptocurrency real-time payment method according to an embodiment.
3 is a flowchart of a cryptocurrency real-time payment method according to another embodiment.

The foregoing and further aspects of the present invention will become more apparent through the preferred embodiments described with reference to the accompanying drawings. Hereinafter, the present invention will be described in detail to enable those skilled in the art to easily understand and reproduce the present invention.

1 is a block diagram of a cryptocurrency payment system according to an embodiment. The cryptocurrency payment system shown in FIG. 1 is a system for providing a payment service using cryptocurrency on-line and / or off-line, and includes a seller device 100, a buyer device 200, a commerce approval server 300, and a blockchain network. Blockchain nodes 500 constituting 50 may be included, and may further include a cryptocurrency exchange server 400. Seller device 100 is a device for payment for tangible or intangible goods sold. It is a device with computing and communication functions. In the case of offline payment, the merchant device 100 may be a payment terminal having a communication and computing function with a display. In the case of online payment, the seller device 100 may be a kind of shopping mall server having a product selling and payment function. In addition, the purchaser device 200 may also be a mobile terminal such as a smartphone as a terminal having a communication and computing function. The seller device 100 and the purchaser device 200 may communicate data. In the case of offline product payment, data may be transmitted and received through short-range wireless communication such as NFC, Bluetooth, and Zigbee, and in the case of online product payment, 3G or Data can be transmitted and received through a network such as LTE.

The commerce approval server 300 is a server in data communication with the merchant device 100 and the purchaser device 200. The commerce approval server 300 receives a sales approval request through a cryptocurrency from the seller device 100, receives a purchase approval request via a cryptocurrency from the purchaser device 200, and processes the received contents. It is responsible for returning the approval or rejection to the seller device 100 and the purchaser device 200. The cryptocurrency exchange server 400 is a server for buying and selling cryptocurrency online. The cryptocurrency exchange server 400 may interwork with the purchaser's device 200 having an exchange account, and may provide the purchaser's cryptocurrency holding balance information at the request of the purchaser device 200. Bitcoin is an example of a cryptocurrency.

The blockchain network 50 includes a plurality of blockchain nodes 500. Each blockchain node 500 has all block information connected to the blockchain network 50. As is well known, nodes can be broadly classified into full nodes and light nodes. A full node is a full-featured node that holds all block information from the first block of the blockchain to the currently created block. The full node collects and stores all blockchain information and verifies the received block to add a new block. The write node is a node that holds only header information that is a summary of all block information. Since the light node does not have all the block information, it performs well-known simple payment verify (SPV) to verify the transactions for individual transactions.

The cryptocurrency payment system performs a new cryptocurrency payment process for buying and selling tangible or intangible goods between the seller and the buyer through the cryptocurrency, which will be described with reference to FIG. 2.

2 is a flowchart of a cryptocurrency real-time payment method according to an embodiment. First, the seller device 100 performs a code display step (S100). In S100, the seller device 100 generates and displays a code for commerce approval including the seller cryptocurrency electronic wallet address information stored therein and product information selected from the seller. In one embodiment, the commerce authorization code is a QR code that is a two-dimensional barcode. The commodity information includes a commodity selling price, which is a commodity legal currency selling price representing the commodity price in fiat currency. In addition, the product information may further include at least one of a product unique code and a product name for identifying the product.

When the code for commerce approval is displayed on the screen of the seller device 100, the purchaser device 200 performs a code extraction step S200. In S200, the purchaser device 200 scans a code for commerce approval displayed on the seller device 100, and extracts cryptocurrency electronic wallet address information and product information from the scanned commerce approval code. Techniques for extracting the information contained in a code after scanning the code displayed on the screen are well known.

When the code extraction step S200 is completed, the purchaser device 200 performs a purchase message transmission step S210. In S210, the purchaser device 200 generates a purchase approval request message including the buyer cryptocurrency electronic wallet address information and the seller cryptocurrency electronic wallet address information and product information extracted through S200, and the generated purchase approval The request message is transmitted to the commerce approval server 300. In addition, the buyer device 200 transmits the buyer cryptocurrency electronic wallet address information stored therein to the seller device 100 when the code extraction step S200 is completed, which is performed before or after the purchase message transmission step. Or may be performed in parallel.

The seller device 100 performs a sales message transmitting step (S110). In S110, the seller device 100 generates a seller approval request message including seller cryptocurrency electronic wallet address information and product information, and buyer cryptocurrency electronic wallet address information received from the buyer device 200, and the generated sales approval. The request message is transmitted to the commerce approval server 300.

The commerce approval server 300 performs a message receiving step (S300). In S300, the commerce approval server 300 receives a sales approval request message from the seller device 100, and receives a purchase approval request message from the purchaser device 200. When both the sales approval request message and the purchase approval request message are received, the commerce approval server 300 performs a commerce approval step (S310). In S310, the commerce approval server 300 extracts the buyer cryptocurrency electronic wallet address information and the seller cryptocurrency electronic wallet address information and the product information included in the purchase approval request message, and the buyer cryptocurrency electronic included in the sales approval request message. The wallet address information, the seller's cryptocurrency electronic wallet address information, and the product information are extracted, and the extracted information is compared with each other. If the result of the comparison matches, the commerce approval server 300 notifies the purchaser device 200 of the purchase approval. If it does not match, the commerce authorization server 300 notifies the purchaser device 200 of the purchase disapproval.

In addition, the commerce approval server 300 may notify the seller device 100 of the approval of the sale or the disapproval of the sale according to the match. When the sale approval is notified from the commerce approval server 300, the seller device 100 displays a screen indicating that the sale approval has been notified to notify the sale approval or the sale approval to notify the purchaser device 200 through the short range communication. The notification step S120 is performed.

When the purchase approval is notified from the commerce approval server 300, the purchaser device 200 performs a blockchain confirmation step S240. Alternatively, if the purchase approval is notified from the commerce approval server 300 and the sale approval is notified from the seller device 100, the purchaser device 200 performs the blockchain confirmation step S240. In S240, the purchaser device 200 requests the purchaser to select one blockchain confirm from 0 confirm to 6 confirm. When the purchaser selects one of the blockchain confirmations from 0 to 6 confirmations, the purchaser device 200 provides the selected blockchain confirmation information to the seller device 100. And the transaction propagation step (S250) is performed.

In S250, the purchaser device 200 generates a transaction so that the cryptocurrency corresponding to the commodity legal currency selling price is transferred from the purchaser's electronic wallet to the seller's electronic wallet and propagates to the blockchain node 500 of the blockchain network. Accordingly, the blockchain nodes 500 constituting the blockchain network 50 perform a transaction verification step S320 of verifying a transaction propagated from the purchaser device 200. Transaction creation and validation is well known.

The purchaser device 200 performs a blockchain confirmation completion step S260 after performing the transaction propagation step 250. In S260, the purchaser device 200 is notified of the completion of the blockchain confirmation from the blockchain network 50, and transmits the completion of the blockchain confirmation to the seller device 100 through short-range wireless communication. The seller device 100 notified of the completion of the blockchain confirmation performs an incentive payment step (S130) of paying an incentive to a buyer account of a corresponding vendor. In S130, the seller device 100 may pay incentives only if the blockchain confirmation selected by the purchaser is one of 1, 2, 3, 4, 5, 6, and the number of selected confirmations. Incentives may be paid differentially. In other words, the lowest incentive is paid to one confirmation and the highest incentive is paid to six confirmations. Incentives may be points or miles.

According to the above, it is possible to guarantee that payment of goods using cryptocurrency is normal through authentication of cryptocurrency e-wallet address information and product information prior to transaction verification. To ensure that the commerce can be completed. Meanwhile, S240, S320, S260, and S130 may be omitted among the above processes.

3 is a flowchart of a cryptocurrency real-time payment method according to another embodiment. 3 is added to S210, S220 and S400 in FIG. 2, it will be described. When the code extraction step (S200) is completed, the purchaser device 200 performs a step of requesting cryptocurrency information (S210). In S210, the buyer device 200 connects to the cryptocurrency exchange server 400 and requests the buyer's cryptocurrency holding balance information. In this case, the buyer device 200 may request the buyer's cryptocurrency holding balance information while providing the buyer exchange account to the cryptocurrency exchange server 400. In this regard, the cryptocurrency exchange server 400 retrieves the cryptocurrency holding balance information of the buyer in an internal database, and performs a cryptocurrency information reply step S400 of transmitting the retrieved cryptocurrency holding balance information to the purchaser device 200. . Accordingly, the purchaser device 200 performs a cryptographic information receiving step (S220) of receiving cryptocurrency holding balance information from the cryptocurrency exchange server 400.

In S230, the purchaser device 200 further includes a buyer's cryptocurrency holding balance information received through S220 to generate a purchase approval request message, and transmits the generated purchase approval request message to the commerce approval server 300. . In operation S310, the commerce approval server 300 quotes a cryptocurrency price for the product sale price belonging to the product information included in the purchase transaction approval request message or the sales transaction approval request message only when they match through the comparison process described with reference to FIG. 2. Converted to to generate the product cryptocurrency selling price information indicating the price of the product in cryptocurrency. Next, the product cryptocurrency sales price information and the cryptocurrency holding balance information included in the purchase approval request message are compared, and as a result of the comparison, the purchase approval and the seller device are approved by the purchaser device 200 only when the cryptocurrency balance is greater than or equal to the product cryptocurrency sales. Approved for sale as 100. In this case, the product cryptocurrency selling price information may also be delivered to the purchaser device 200. The commodity cryptocurrency sale price information is used as remittance information at the time of transaction creation. In other words, in S250, the buyer device 200 designates the buyer cryptocurrency electronic wallet address information as the withdrawal address, the seller cryptocurrency electronic wallet address information as the deposit address, and the product cryptocurrency selling price information as the withdrawal application amount. Create and propagate the specified transaction.

So far I looked at the center of the preferred embodiment for the present invention. Those skilled in the art will appreciate that the present invention can be implemented in a modified form without departing from the essential features of the present invention. Therefore, the disclosed embodiments should be considered in descriptive sense only and not for purposes of limitation. The scope of the present invention is shown in the claims rather than the foregoing description, and all differences within the scope will be construed as being included in the present invention.

100: seller device 200: buyer device
300: commerce approval server 400: cryptocurrency exchange server
500: blockchain node

Claims (5)

The seller device generates a code display step of generating and displaying a code for commerce approval including the seller cryptocurrency electronic wallet address information stored therein and product information selected from the seller;
The purchaser device scans the displayed transaction approval code, and extracts the cryptocurrency electronic wallet address information and the product information from the scanned transaction approval code;
The purchaser device generates a purchase approval request message including the buyer's cryptocurrency wallet address information and the seller's cryptocurrency wallet address information and product information extracted from the scanned authorization code and sends the purchase message to the commerce approval server. step;
Seller device is a sales message transmission step of generating a sales approval request message including the seller cryptocurrency electronic wallet address information and product information and the buyer cryptocurrency electronic wallet address information received from the buyer device to the commerce approval server;
The transaction approval server receives a purchase approval request message from the buyer device, and a message receiving step of receiving a sale approval request message from the seller device;
The commerce approval server provides the buyer cryptocurrency electronic wallet address information and seller cryptocurrency electronic wallet address information and product information included in the purchase approval request message, and the buyer cryptocurrency electronic wallet address information and seller cryptocurrency electronic wallet included in the sales approval request message. A transaction approval step of comparing the address information and the product information, and approving the commerce using the cryptocurrency to the purchaser device and the seller device if the comparison result is matched; And
The purchaser device comprises: a transaction propagation step of generating a transaction to propagate the cryptocurrency corresponding to the selling product price from the buyer to the seller according to the commerce approval of the commerce approval server and propagating it to the blockchain node of the blockchain network;
Cryptocurrency real-time payment method comprising a.
The method of claim 1,
The purchaser device requests a cryptocurrency information request step of accessing the cryptocurrency exchange server and requesting the cryptocurrency holding balance information of the purchaser when the extraction by the code extraction step is completed;
A cryptocurrency exchange server retrieving the cryptocurrency holding balance information of the buyer according to the request of the cryptocurrency holding balance information of the buyer device and sending it to the purchaser device; And
The buyer device further includes a cryptocurrency information receiving step of receiving cryptocurrency holding balance information from a cryptocurrency exchange server;
The purchase message transmission step generates a purchase approval request message further including cryptocurrency holding balance information received from the cryptocurrency exchange server.
The transaction approval step generates the product cryptocurrency selling price information by converting the commodity legal currency selling price belonging to the commodity information included in the sales approval request message into the cryptocurrency price, and generates the product cryptocurrency selling price information and the cryptocurrency included in the purchase approval request message. The real-time payment method for cryptocurrency, which compares the held balance information, and approves the commerce using the cryptocurrency to the buyer device and the seller device only when the cryptocurrency balance is more than the sale of the product cryptocurrency.
The method of claim 2,
When the purchase approval request message is received from the buyer device and the sale approval request message is received from the seller device, the commerce approval step requests and receives the cryptographic price information per fiat currency unit from the cryptocurrency exchange server, and receives the cryptographic price per the fiat currency unit received. Cryptocurrency real-time payment method for generating commodity cryptocurrency price information by converting commodity price into cryptocurrency quotes based on the information.
The method according to any one of claims 1 to 3,
The purchaser device requests the buyer to select one blockchain confirmation from 0 or 6 confirmations when the transaction using cryptocurrency is approved by the commerce approval server, and if the blockchain confirmation is selected by the buyer, the selected blockchain A blockchain confirm selection step of providing confirm information to the seller device;
The purchaser device comprises: a blockchain confirmation completion step of notifying the seller device of completion of the blockchain confirmation when the selected blockchain confirmation is completed; And
An incentive payment step in which the seller device pays an incentive to the buyer account when the completion of the blockchain confirmation is notified, but only when the selected confirmation is 1 to 6 confirmations;
Cryptocurrency real-time payment method further comprising.
The method of claim 4, wherein
Incentive payment step is a cryptocurrency real-time payment method that pays incentives differentially according to the selected number of confirmations.

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