KR20190143106A - Currency and payment platform system for multiple cryptocurrency valuation - Google Patents

Abstract

The present invention relates to a system for providing a multiple-cryptocurrency commonization and payment platform by valuation. More specifically, since platform cash, which can be used as a payment method for various online and offline transactions, is able to be purchased with differential assessed values by even using unlisted coins as well as listed coins, cryptocurrencies can be widely used as a transaction payment method for real economy, and moreover, in the case of a cryptocurrency with high value, the cryptocurrency is differentiated to offer a higher reward, so an increase and decrease in the market value of the cryptocurrency can be applied to the real economy, thereby increasing the degree of actual transaction use of the cryptocurrency. Since the platform cash is transferred to a platform account of a store by a platform application installed in a smart terminal of a user or is deducted by interconnection between a payment terminal of the store and a platform cash server, payment can be made in the store online or offline.

Description

CURRENCY AND PAYMENT PLATFORM SYSTEM FOR MULTIPLE CRYPTOCURRENCY VALUATION}

The present invention relates to a system for providing various types of virtual currency and payment platform by valuation, and more specifically, using a platform cache that can be used as a payment method in various transactions on and off-line, using not only listed coins but also unlisted coins. In addition, by making it possible to purchase with a differentially calculated value, the virtual currency can be widely used as a transaction settlement method in the real economy, and higher rewards can be granted in the case of a high value virtual currency. By allowing the market value of cryptocurrency to be reflected in the real economy, it is possible to increase the degree of real transaction utilization of the cryptocurrency, and the platform cache to the platform account of the store by the platform app installed on the user's smart terminal. Transfer or platform cache server and payment terminal in store The present invention relates to a multi-currency currency currency and payment platform providing system by valuation which enables payments to be made in online and offline stores by deducting platform cache by interworking.

Recently, as interest in cryptocurrency (cryptocurrency) based on block chain encryption technology is rapidly increasing, not only possessing cryptocurrency for investment purpose but also increasing its utilization as an exchange means in the real economy online and offline.

Due to the growing interest in cryptocurrencies, more than a thousand types of cryptocurrencies are created and distributed, including 'Bitcoin', which was first developed in 2008, and 'Etherium,' which is relatively actively traded. ',' Ripple ',' dash 'and' litecoin '.

All other types of cryptocurrencies, except Bitcoin, are referred to as altcoins. According to CoinMarketcap, a website that provides information on cryptocurrencies, as of June 13, 2018, the number of cryptocurrencies including bitcoins There are 1628 cryptocurrencies currently trading in the global market, with 1 bitcoin and 1627 altcoins. In the case of Altcoin, as of December 21, 2017, 1370 were traded in the global market, and virtual currency is continuously being created and poured into the market.

However, these cryptocurrencies including bitcoin and altcoin have been insufficient to play the role of money in the real economy on / offline. As Bitcoin, the leading player of cryptocurrency, is recognized as a currency in the United Kingdom, Germany, the United States, etc., the utilization of money is increasing in e-commerce such as the Internet, and cash in offline commerce. Increasingly, stores that use payment methods such as credit cards are increasing.

Although various attempts are being made to make Bitcoin a payment method, the increase is not large, and there are still many countries that do not recognize Bitcoin as a currency. It is difficult to deny that there are still many difficulties to settle as a payment method.

In addition, in the case of Bitcoin, there are some ways to use it as an actual payment method, but other Altcoins other than this, especially in the case of many unlisted altcoins even before the listing on the exchange, are payment methods in real life. Of course, there was a problem that the trading of the coin itself was not easy.

However, there is a problem that if you give a new value to the newly created cryptocurrency blindly to use as a payment method or to trade, the confusion of the entire cryptocurrency market.

In addition, users with virtual currency may only have one type of cryptocurrency and use it, but if they get profit from the rise or fall of the value of the cryptocurrency, or if the types of cryptocurrency available on / offline are different In many cases, one person owns several types of cryptocurrencies, which makes cumbersome and inconvenient and inconvenient, and selects the appropriate cryptocurrency to be used as a payment method on / offline. There were troublesome things to do.

Accordingly, there is a need for a generalization method of a new virtual currency that makes it easier to use various types of virtual currency as a payment method in real life, as well as a number of newly emerging types, as well as the most widely used representative virtual currency. There is a growing need for new ways to enhance the stable and active use of cryptocurrencies in the world.

Republic of Korea Patent No. 10-1813256 Republic of Korea Patent Publication No. 10-2018-0027451 Republic of Korea Patent Publication No. 10-2017-0056332 Republic of Korea Patent No. 10-1782443

The present invention provides a platform cash that can be used as a means of payment in various transactions both online and offline, so that not only listed coins but also unlisted coins can be purchased with differentially calculated values, thereby enabling virtual currency to be used in the real economy. In addition, it can be widely used as a transaction settlement method, and in the case of high-value virtual currency, it can be differentiated so that higher rewards can be granted so that the market value change of the virtual currency can be reflected in the real economy. It is possible to increase the degree of real transaction utilization, and by deducting the platform cache by the platform cache transfer to the platform account of the store by the platform app installed on the user's smart terminal or the link between the platform cache server and the payment terminal of the store, Payments can be made at stores at The task is to provide a multi-currency currency currency and payment platform providing system based on the valuation.

Multi-type virtual currency currency and payment platform providing system by the valuation to solve the above problems, the virtual currency evaluation server for calculating the exchange value of the virtual currency held by the user to the platform cache; A platform cache charging server that purchases and charges a platform cache with a kind of virtual currency owned by a user according to a criterion calculated by the virtual currency evaluation server; A platform cache payment server for deducting a platform cache held by a user in exchange for purchasing goods or using a service at an affiliate store online or offline and granting the affiliated store a payment; A virtual currency exchange server for converting and providing a platform cache held by the user into virtual currency according to a criterion set in the virtual currency evaluation server; A platform app installed on a communication network to access the platform cache payment server and perform a payment, and transfers the platform cache corresponding to the amount to be paid on the payment information to perform a payment; And a payment terminal of a store that generates and displays payment information consisting of an amount to be paid and a merchant code, and completes payment by receiving a transfer result of a platform cache made by the smart terminal.

The present invention enables the purchase of a platform cash that can be used as a payment method in various transactions both online and offline, by using a differentially calculated value using not only listed coins but also unlisted coins, thereby trading virtual currency in the real economy. It can be widely used as a payment method.

In addition, the present invention has the effect that the market value increase and decrease of the virtual currency can be reflected in the real economy by the differential so that higher rewards can be granted in the case of high value virtual currency.

In addition, the present invention, the platform cache by the platform app transfer to the platform account of the store by the platform app installed on the user's smart terminal or the platform cache by the interworking between the platform cash payment server and the payment terminal of the store, without the authentication process at the time of complex virtual currency payment By the deduction there is an effect that the payment can be made easily in stores on-line offline.

1 is a block diagram of a multi-type virtual currency currency platform providing system by the valuation according to the present invention according to the present invention.
Figure 2 is an exemplary view showing that can be applied to real-life transactions using a variety of virtual currency in accordance with the present invention.
Figure 3 is an exemplary view showing that a discount is applied at the time of transaction by the reward differential according to the value of the virtual currency in accordance with the present invention.
Figure 4 is an exemplary view showing the use of a platform cash charging that can be utilized as a payment means on the platform of various types of virtual currency in accordance with the present invention.
5 is an exemplary view showing that the platform cache is charged with virtual currency and the platform cache held by the virtual currency is converted into virtual currency according to the present invention.
6 and 7 are diagrams showing that the payment is made in the store on-line or off-line using the platform cache in accordance with the present invention.

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

1 is a block diagram of a system for providing a multi-type virtual currency currency platform by valuation according to the present invention according to the present invention, and FIG. 2 is applicable to real-life transactions using a multi-type virtual currency according to the present invention. It is an illustration showing what can be done.

1 and 2, the multi-currency currency currency platform providing system according to the valuation according to the present invention, the virtual currency evaluation server for calculating the exchange value of the virtual currency held by the user to the platform cache ( 100), the platform cache charging server 200 for purchasing and charging the platform cache with the kind of cryptocurrency that the user possesses according to the criteria calculated by the virtual currency evaluation server, and at the merchant online or offline The platform cache payment server 300, which is provided to the merchant by subtracting the platform cache held by the user in exchange for the purchase of goods or the use of the service, and the platform cache held by the user based on the criteria set in the virtual currency evaluation server. It is configured to include a virtual currency exchange server 400 to provide a currency exchange according to.

At this time, the user uses all or part of the virtual currency possessed by the virtual currency evaluation server and the platform cache charging server to charge the platform cache, thereby using the platform cache purchased using the virtual currency shown in FIG. 2. It can be used as a payment method in various stores on / offline as shown.

In addition, the user can purchase the platform cache with the virtual currency that he owns and use it as a practical payment method, and also have it in the form of the virtual currency itself, and then use it to recharge the platform cache when it is necessary to use it for real-time transactions. Will be.

Accordingly, the multi-type virtual currency currency platform providing system based on the valuation according to the present invention is configured to have a platform account that users can store platform caches charged using virtual currency and freely use as a payment means. desirable.

In this case, the platform cache charged in the platform account may be charged using virtual currency, as well as may be charged through various general payments, such as account transfer or credit card payment, as shown in Figure 2, accordingly, As payment in real life using virtual currency and payment in real life using real money are mixed with each other, it is possible to expand the function as a payment method of virtual money.

At present, many types of cryptocurrencies have emerged. As shown in FIG. 2, the cryptocurrencies owned by users are not only exchange-listed coins that can be bought and sold through the exchanges, but also created on the exchanges. There are also a variety of difficult unlisted coins (represented by Coin 1, Coin 2, Coin 3 in Figure 1).

Accordingly, the virtual currency valuation server is preferably configured to apply the method differently in evaluating the value of the virtual currency and the non-virtual currency that can be valued in the market through transactions on the exchange.

To this end, in the case of exchange listed coins, the value in the market can be evaluated by the real currency of each country in the process of trading through the exchange, the virtual currency evaluation server is shown in Figure 4, the real-time of the reference exchange It is configured to purchase the platform cache based on the real-time price of the listed coin at the point of receiving the price to charge the platform cache.

In FIG. 4, Ethereum is used as one of the listed coins, and the value of 1 Ethereum (1 ETH) is calculated as KRW 750,000, which is the current price traded in real time on the reference exchange, and the current reference price of 1 Platform Cash (1 CASH) is calculated. After calculating 100 won, if you charge the platform cache with 1 ETH, you can charge 7,500 platform cache in your account.

However, in the case of unlisted coins, since the transaction is not made through the exchange, it is difficult to grasp the value objectively. Therefore, the unlisted coin is placed in the grade given by the result of expert evaluation in any private auditing organization connected to the virtual currency evaluation server. After calculating the value accordingly, it is desirable to be configured to purchase the platform cache with the value calculated in this way.

Accordingly, in FIG. 4, an arbitrary Zcoin is used as an unlisted coin, and the value of the unlisted coin is calculated based on the business agreement standard value calculated by the virtual currency evaluation server, and the base price of 1 Zcoin is 300 won. It can be configured to purchase the.

In addition, the value of the platform cache as shown in Figure 4 can be given a value of 100 won in cash to one platform cache (1 CASH), the value of such a platform cache is the value of the platform share revenues for a certain period of KRW By reflecting this, the value of the platform cache is preferably configured to be automatically adjusted.

Accordingly, the platform providing system according to the present invention is active in the real-time transactions on-line and off-line using various types of cryptocurrency, and the value of the platform cache may also increase as the platform cache is activated in the real economy using the virtual currency. In this way, it will be able to strengthen its own holding value, which is different from cryptocurrency.

As such, within the charging range of the platform account in which the platform cash purchased based on the value calculated by the virtual currency valuation server is stored, the user commits to accept the platform cache as a payment means as shown in FIG. 2. It can be used comprehensively in one store, shopping mall, gift certificate, mart, e-book and utility bill payment.

In addition, in the process of charging the platform cache with the virtual currency owned by users, the graded grade is assigned according to the virtual currency so that the differentiated grade can be granted to the charged platform cache, and then the grade is highly evaluated. Differentiated rewards can be awarded when using a platform-charged cash for online or offline purchases, enabling high value crypto holders to actively participate in transactions within the platform offering system while benefiting from trading. It is desirable to have.

Accordingly, as shown in FIG. 3, when a user wants to purchase a platform cache with Xcoin, which is a virtual currency owned by the user, the grades of A +, A, A- ~ D +, D, and D- are differentiated through a predetermined examination. After being granted to the platform, the platform cache purchased with such cryptocurrency becomes XcoinCash and is not differentiated from other platform caches when used online and offline.However, if a product purchase is made, the platform cache with A + grade and D- grade are received. Differentiation can be given in the application of rewards between platform caches.

Therefore, as shown in FIG. 3, when the reward rate is 25%, 100% of rewards are applied to the A + grade, and a predetermined ratio is subtracted therefrom to set 45% of the rewards to D-. It can be configured to apply.

As a result, 25,000 won is earned when purchasing goods worth 100,000 won with XcoinCash rated A +, and 11,350 won when purchasing goods worth 100,000 won with D-grade ZcoinCash. Credits, and if cash payments are made, it is possible to make differential rewards according to the class of cryptocurrency, such as no mileage amount to be accumulated, so that the participation of valuable cryptocurrency can be expanded. .

As the mileage is differentiated according to the value of cryptocurrency, when the high-grade cryptocurrency is used for trading, the same goods or services can be purchased at a lower price, thereby enabling the trading of valuable cryptocurrencies. To contribute.

In addition, the user can charge the platform cache that can be used as a payment method using the platform providing system by using the virtual currency held by the platform cash purchase, as shown in FIG. Of course, it can also be configured to exchange for virtual currency.

Next, with reference to FIGS. 6 and 7, the payment for the purchase of goods or the provision of services using the platform cache will be described.

According to the present invention, in order to pay for the purchase of a product or the provision of a service using a platform cache, a platform payment app that can perform payment by accessing the platform cache payment server 300 on a communication network is a user's smart terminal 500. ) Must be installed.

As described above, in order to perform payment with the platform cache using the smart terminal 500 having the platform app installed, as shown in FIG. After activating the platform payment app provided in the smart terminal 500 is configured to generate an electronic voucher for face-to-face payment by entering the merchant and the payment amount. After selecting the use of the coupon image of the electronic voucher to request payment from the smart terminal 500 to the platform cache payment server 300, the platform cache payment server 300 using the platform cache stores such as POS terminal After the payment is made by making a payment to the payment terminal 600 of the payment completion message is output.

In this way, the payment in the platform cache payment server is made easily by the transfer of the platform cache, there is no need to go through the complicated authentication for payment using the virtual currency itself, while using the value of the virtual currency in real-life transactions Easy payment can be made.

In addition, as shown in FIG. 7, when a user wishes to perform a card payment using a membership card held by a user who wishes to make a payment using a platform cache, the member card is transferred to a payment terminal of a store such as a POS terminal. After recognizing, when the employee of the store inputs the amount to be paid, the payment terminal of the store interworks with the platform cache payment server and the payment is made by deducting the platform cache. Thereafter, when the platform cache payment server transmits the result to the payment terminal, a payment completion message is displayed on the payment terminal to recognize that the payment is completed.

As such, the platform cache charged with various types of cryptocurrencies can be transferred directly to the store's platform account, or the platform cache payment server and the payment terminal of the store can be used for payment in real life by using the membership card of the user. Since it can be, even as a store, it is possible to accept virtual currency payments without going through complicated means and processes for authentication for each virtual currency to be accepted as a payment method.

As such, the platform cache, which can be used as a payment method in various transactions both online and offline, can be easily purchased using non-listed coins as well as listed coins to increase the utilization as a transaction payment method, and the platform can be freely used whenever the user desires. By converting the cash back into the virtual currency and returning the possession of the virtual currency, it not only increases the utilization of the virtual currency, but also contributes to the activation of transactions between the virtual currency and the physical currency.

In addition, as a store that accepts payment by the platform providing system according to the present invention, the payment is easily made by the platform cache transferred from the user's platform account to the platform account of the store without having an individual authentication means for each virtual currency. Of course, it can also convert the accumulated platform cache to the desired cryptocurrency.

In the above description, the technical idea of the present invention has been described with the accompanying drawings. However, the present invention has been described by way of example and is not intended to limit the present invention. In addition, it is apparent that any person having ordinary knowledge in the technical field to which the present invention belongs may make various modifications and imitations without departing from the scope of the technical idea of the present invention.

100: virtual currency evaluation server
200: platform cache charging server
300: platform cache payment server
400: virtual currency exchange server
500: smart terminal
600: payment terminal

Claims (1)

A virtual currency appraisal server for calculating a value of exchange value into a platform cache of a virtual currency owned by a user;
A platform cache charging server that purchases and charges a platform cache with a kind of virtual currency owned by a user according to the criteria calculated by the virtual currency evaluation server;
A platform cache payment server for deducting a platform cache held by a user in exchange for purchasing goods or using a service at an affiliate store online or offline and granting the affiliated store a payment;
A virtual currency exchange server that provides a platform cash held by the user to exchange virtual currency according to the criteria set in the virtual currency evaluation server;
A platform app installed on a communication network to access the platform cache payment server to perform a payment, and a user's smart terminal transferring a platform cache corresponding to an amount to be paid on payment information to perform a payment; And
Generating and expressing payment information consisting of the amount to be paid and the merchant code, and receiving the transfer result of the platform cache made in the smart terminal, and completing the payment; Kinds of virtual currency currency and payment platform.

Images