KR20200006708A - system for paying using virtual shell - Google Patents

Abstract

The present invention relates to a payment system using a virtual currency implemented to allow a consumer to pay a virtual currency to convert the paid virtual currency into a general currency to settle at an affiliated store, to a server thereof, and to a method thereof. A consumer terminal requests the payment using the virtual currency, and is notified of the completion of the virtual currency payment. A payment server performs the virtual currency payment in accordance with a virtual currency payment request from the consumer terminal, notifies the consumer terminal of the completion of the virtual currency payment, converts the paid virtual currency into the general currency, settles the payment to the merchant, and notifies the completion of the settlement. An affiliation store terminal is notified of the completion of the settlement from the payment server.

Description

Payment system using virtual currency {system for paying using virtual shell}

The technical field of the present invention relates to a payment system using a virtual currency, and more particularly, to a payment system using a virtual currency implemented to allow a consumer to settle a virtual currency and settle the merchant by converting the settled virtual currency into a general currency.

With the emergence of virtual coins using the Internet, they are being used for personal money transfer services. In particular, among virtual coins, virtual currency is a digital currency created by Nakamoto Satoshi in 2009, and there is no central device for issuing and managing currency.Instead, transactions of virtual currency are P2P ( It is performed based on public key cryptography by peer to peer based distributed database.

Such cryptocurrency has anonymity and openness, and an account for cryptocurrency is called an electronic wallet (or virtual wallet), which is stored in the form of a virtual wallet file. Each virtual wallet is given a unique address, and a virtual currency is traded based on that address. In other words, the cryptocurrency contains the current owner's public key, or address. When one user sends something to another user, one user adds another user's public key (address) to the cryptocurrency and signs it with a private key, that is, a private key, owned by one user. The other user then broadcasts the cryptocurrency to the P2P network as the transaction details of the appropriate message. The remaining network nodes will verify the encrypted signature and transaction volume before granting it.

The payment system using the virtual currency is distributed to computers of various users in a P2P manner, and the virtual wallet is made using a separate program or website. Creating a virtual wallet creates a pair of encryption keys on the Internet. One of the encryption keys is a private key that only the user can verify through the terminal, and the other encryption key is an encryption key that is open to everyone using virtual currency.

For example, if a cryptocurrency user signs an electronic signature with a private cryptographic key to buy something, other users of the cryptocurrency can use the public cryptographic key to authenticate that the user who signed the digital signature is the owner of the cryptographic key. have. This digital signature and certification process is repeated over and over, and commerce takes place. At this time, the six-step authentication. However, since the payment system using the virtual currency has to undergo six-step authentication during commerce, the distributed network participating in the virtual money transfer authentication during the peer-to-peer virtual currency transfer authenticates the transaction and records the remittance processing record as 'blockchain'. It takes about 60 minutes to delay the transaction.

Korean Patent Publication No. 10-2017-0056332 (published on May 23, 2017) discloses an offline payment system and a method using virtual currency, which is installed in a seller terminal, and the seller's virtual currency address and transaction information are purchased. Merchant application for transmitting to the terminal; A buyer application installed in the buyer terminal and transmitting the virtual currency address of the buyer to the seller terminal; And a Merchant Application and a Buyer Application, each of which includes an authentication / payment authorization server that authenticates payment for offline commerce between the Buyer and the Seller, wherein the Seller Application includes the merchant's cryptocurrency address, transaction information and the buyer's cryptocurrency The address is transmitted to the authentication / payment authorization server, the buyer application sends the buyer's cryptocurrency address, the seller's cryptocurrency address and transaction information received from the seller application to the authentication / payment approval server, the authentication / payment authorization server , The merchant's cryptocurrency address, transaction information, and the buyer's cryptocurrency address received from the seller application, and the seller's cryptocurrency address, the transaction information, and the buyer's cryptocurrency address, respectively, are compared to each other to determine whether the payment is verified. and Characterized in the payment authentication. According to the disclosed technology, since the authentication / payment approval server transmits the payment approval before the payment approval is transmitted from the distributed network unit to each of the buyer and the seller, payment is quickly performed without a transaction delay caused by the authentication procedure of the virtual currency itself. The service can be used to quickly perform commerce using virtual currency offline.

Korean Patent Publication No. 10-2016-0091194 (published Aug. 02, 2016) provides a list of remittances of a purchase list and individual cryptocurrencies remitted by a buyer when the buyer pays for a plurality of purchased items using cryptocurrency. The present invention discloses a payment method and a payment system using a virtual currency, which allows a purchaser to make a payment in a virtual currency for a plurality of purchased items. According to the disclosed technology, a purchaser terminal having a buyer virtual wallet and a shopping mall server having a seller virtual wallet and connected to the buyer terminal through the Internet network; The purchaser terminal transfers the virtual currency from the purchaser virtual wallet to the seller virtual wallet to pay for a plurality of purchased items purchased through the shopping mall server; The shopping mall server provides the purchaser terminal with a purchase list for a plurality of purchased items purchased through the purchaser terminal and the remittance details transferred from the purchaser virtual wallet to the seller virtual wallet; When the purchase item corresponding to the remittance details is selected from the purchase list through the purchaser terminal, the shopping mall server may approve payment for the corresponding purchase item.

Since the payment system using the conventional virtual currency as described above, the merchant must have a virtual wallet in the case of using the virtual currency as a means of payment, especially in the case of merchants, since the merchants must create a virtual currency payment merchants, From the standpoint, it is inconvenient due to the knowledge of virtual currency and the burden of making a virtual wallet, and the number of merchants is inevitably low, and it is difficult to use it as not many merchants who use virtual currency.

Korean Patent Publication No. 10-2017-0056332 Korean Patent Publication No. 10-2016-0091194

The problem to be solved by the present invention is to solve the above-mentioned disadvantages, the payment system using a virtual currency implemented to allow consumers to pay the virtual currency and settled to the merchant by converting the settled virtual currency into a general currency. To provide.

According to an aspect of the present invention, there is provided a means for solving the above-mentioned problems, comprising: a consumer terminal requesting payment using a virtual currency and being notified of completion of the virtual currency payment;

A payment server that performs a virtual currency payment according to a request for payment of a virtual currency from the consumer terminal, notifies the consumer terminal of the completion of the virtual currency payment, converts the paid virtual currency into a general currency, settles the merchant, and notifies the settlement completion. ; Merchant terminal receiving notification of the completion of settlement from the payment server, receives a request for consumer confirmation information from the payment server to request the virtual currency payment of the consumer terminal; And when the consumer of the consumer terminal is lower than a predetermined age, when the payment request of the consumer terminal is set to check payment approval information, or when the condition is set through the consumer confirmation information received from the merchant terminal, the payment is made from the payment server. It provides a payment system using a virtual currency, including; agent terminal for receiving the approval request information and transmitting the payment approval information.

According to an embodiment of the present disclosure, the consumer terminal generates a merchant search request signal corresponding to the merchant search request of the consumer and transmits the signal to the payment server, and receives the merchant related information transmitted from the payment server to notify the consumer. It is characterized by.

In one embodiment, the consumer terminal is provided with a consumer virtual wallet, and when the consumer selects a merchant and purchases or services and requests the virtual currency payment, the consumer terminal uses the virtual wallet to request the consumer's virtual currency payment request. Accordingly, it generates a virtual currency payment request signal corresponding thereto and transmits it to the payment server.

In one embodiment, the consumer terminal generates a virtual currency payment request signal including consumer virtual currency information, transaction information of merchants and purchased goods or services, or server virtual currency information stored in advance. Together with the payment server characterized in that the transmission.

In one embodiment, the consumer terminal, characterized in that to confirm the transaction information and payment information from the virtual currency payment completion signal received from the payment server to notify the consumer.

In one embodiment, the consumer terminal, when receiving the virtual currency amount information transmitted from the payment server, characterized in that to inform the consumer of the virtual currency amount information.

In one embodiment, the consumer terminal, characterized in that to determine whether the final payment after checking the virtual currency amount information according to the current price of the virtual currency.

In one embodiment, the consumer terminal, characterized in that for receiving the available time information delivered from the payment server and outputs through the output means.

In an embodiment, the payment server may receive a merchant search request signal transmitted from the consumer terminal, read and list affiliate store related information corresponding thereto, and transmit the same to the consumer terminal.

In one embodiment, the payment server, the server virtual wallet, in the virtual currency payment request signal received from the consumer terminal consumer virtual currency information, merchants and purchase information of goods or services, or server virtual server Check the currency information, and using the server virtual wallet characterized in that to perform the virtual currency payment corresponding to the consumer virtual currency information and transaction information.

In one embodiment, the payment server, characterized in that for exchanging virtual currency information between the consumer terminal and each other.

In one embodiment, the payment server, the consumer virtual currency information confirmed in the virtual currency payment request signal received from the consumer terminal, the transaction information of the merchant and the purchase goods or services, or the server virtual currency information and server virtual stored in advance, It compares money information or pre-stored consumer virtual currency information with each other to determine whether payment is verified and to verify payment.

In one embodiment, the payment server, characterized in that for generating a virtual currency payment completion signal including the transaction information and payment information to transmit to the consumer terminal.

In one embodiment, the payment server, characterized in that for converting the settled virtual currency into a general currency to settle the merchant through a financial institution.

In one embodiment, the payment server, characterized in that for generating a settlement completion signal including the transaction information and settlement information and transmits to the merchant terminal.

In one embodiment, the payment server, after retrieving the current price of the virtual currency, calculates the virtual currency amount corresponding to the general currency amount of the purchased goods or services according to the current price of the virtual currency, the calculated virtual currency amount The information is transmitted to the consumer terminal.

In one embodiment, the payment server, when calculating the amount of cryptocurrency, calculates the total amount of cryptocurrency by adding a fee to the cryptocurrency amount corresponding to the general currency amount of the purchased goods or services according to the current price of the virtual currency. It features.

In one embodiment, the payment server checks the merchant search word and the consumer identification information from the merchant search request signal received from the consumer terminal, and reads and lists affiliate store related information corresponding to the merchant search word to correspond to the consumer identification information. Characterized in that the transmission to the consumer terminal.

In an embodiment, the payment server may receive the available time information transmitted from the affiliated store terminal and transmit the received time information to the corresponding consumer terminal.

In one embodiment, the payment system using the virtual currency, characterized in that it further comprises a database for storing and storing the merchant-related information, merchant identification information, affiliate terminal information related to the database by region or category.

In one embodiment, the database, the consumer virtual currency information delivered from the payment server, the transaction information of the merchant and the purchase goods or services, or the server virtual currency information stored in advance, transaction information for the completion of payment in virtual currency and The billing information, transaction information and settlement information on the completion of the settlement characterized in that the database by the consumer identification information or merchant identification information to store the database.

In an embodiment, the database registers the current price of the virtual currency, and checks and upgrades the current price of the virtual currency from the virtual currency exchange at a predetermined time interval.

In one embodiment, the affiliated store terminal, characterized in that to confirm the transaction information and settlement information in the settlement completion signal received from the payment server to notify the merchant manager or operator.

In one embodiment, the merchant terminal, when inputting the information on the date or time that can provide the goods or services ordered by the consumer, characterized in that for transmitting the provided available time information to the payment server .

In an embodiment, the payment server performs a virtual currency payment according to a virtual currency payment request transmitted from the consumer terminal, notifies the consumer terminal of the completion of the virtual currency payment, and deposits the paid virtual currency. server; And a virtual wallet server for converting the virtual currency received from the payment agent server into a general currency to settle the merchant and notify the merchant terminal of the settlement completion.

In an embodiment, the payment server may further include an operation management server that receives the affiliated store search request signal transmitted from the consumer terminal, reads and lists the affiliated store related information, and transmits it to the consumer terminal. It is done.

In one embodiment, the payment server, after transmitting the virtual currency payment request transmitted from the consumer terminal, receives the completion of the virtual currency payment to notify the consumer terminal, the interface to receive the settlement completion and notify the merchant terminal part; A payment agent which performs virtual currency payment according to the virtual currency payment request transmitted from the interface unit, transfers the completion of the virtual currency payment from the interface unit, and deposits the paid virtual currency; And it is characterized in that it comprises a virtual wallet for converting the virtual currency deposited from the payment agency to the general currency to settle to the merchant and the settlement completion from the interface unit.

In accordance with the effects of the present invention, by providing a payment system, a server and a method using a virtual currency implemented to allow a consumer to settle a merchant by paying a virtual currency and converting the settled virtual currency into a general currency (for example, won), It is not necessary to have this virtual wallet, and from a merchant's point of view, even if they do not have knowledge about cryptocurrency, they do not need to make a virtual wallet, which not only provides convenience, but also can increase sales through virtual currency, thereby naturally increasing the number of merchants. And it is easy and convenient for consumers who use cryptocurrency.

1 is a view illustrating a payment system using a virtual currency according to an embodiment of the present invention.
FIG. 2 is a diagram illustrating a payment server in FIG. 1 as a first example.
3 is a diagram illustrating a payment server in FIG. 1 as a second example.
4 is a diagram illustrating a payment method using virtual currency according to an embodiment of the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. However, since the description of the present invention is merely an embodiment for structural or functional description, the scope of the present invention should not be construed as being limited by the embodiments described in the text. That is, since the embodiments may be variously modified and may have various forms, the scope of the present invention should be understood to include equivalents for realizing the technical idea. In addition, the objects or effects presented in the present invention does not mean that a specific embodiment should include all or only such effects, the scope of the present invention should not be understood as being limited thereby.

The meaning of the terms described in the present invention will be understood as follows.

Terms such as "first" and "second" are intended to distinguish one component from another component, and the scope of rights should not be limited by these terms. For example, the first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component. When a component is referred to as being "connected" to another component, it should be understood that there may be other components in between, although it may be directly connected to the other component. On the other hand, when a component is said to be "directly connected" to another component, it should be understood that there is no other component in between. On the other hand, other expressions describing the relationship between the components, such as "between" and "immediately between" or "neighboring to" and "directly neighboring", should be interpreted as well.

Singular expressions should be understood to include plural expressions unless the context clearly indicates otherwise, and terms such as "include" or "have" refer to features, numbers, steps, operations, components, parts, or parts thereof described. It is to be understood that the combination is intended to be present and does not exclude in advance the possibility of the presence or addition of one or more other features or numbers, steps, actions, components, parts or combinations thereof.

All terms used herein have the same meaning as commonly understood by one of ordinary skill in the art unless otherwise defined. Generally, the terms defined in the dictionary used are to be interpreted to coincide with the meanings in the context of the related art, and should not be interpreted as having ideal or excessively formal meanings unless clearly defined in the present invention.

Now, a payment system, a server, and a method using a virtual currency according to an embodiment of the present invention will be described in detail with reference to the drawings.

1 is a view illustrating a payment system using a virtual currency according to an embodiment of the present invention.

Referring to FIG. 1, the payment system 100 using virtual currency includes a plurality of consumer terminals 110, an agent terminal 111, a payment server 120, a database 130, a plurality of affiliated terminal 140, Network 150.

After requesting the payment server 120 to pay using the virtual currency, the consumer terminal 110 is notified of the completion of the virtual currency payment from the payment server 120.

In an embodiment, the consumer terminal 110 may be a terminal used by a consumer, for example, a wireless communication terminal such as a smartphone, a mobile phone, a mobile phone, a PDA, or the like, or a terminal capable of communicating with a laptop, a PC, or the like. .

In one embodiment, the consumer terminal 110 is provided with a consumer virtual wallet, and generates a merchant search request signal corresponding thereto according to the consumer merchant search request and transmits it to the payment server 120 through the network 150. After that, the merchant-related information transmitted from the payment server 120 may be notified to the consumer. Here, in the case of notification of affiliated store-related information, information such as a menu list, a store, a photo, and the like is displayed to the consumer through the display means.

In one embodiment, the consumer terminal 110, when a consumer requests the payment using the virtual currency after viewing the merchant-related information and selects the merchant and the purchase goods or services, the consumer's virtual wallet payment of the consumer's virtual currency Information such as virtual currency settlement request signal (consumer virtual currency information (public key, secret key, etc.)) and transaction information (such as merchants and purchased goods or services (or previously stored server virtual currency information) according to the request ) May be generated and transmitted to the payment server 120 through the network 150. In this case, in the case of selecting a merchant, the merchant server informs the payment server 120 of which merchant to pay. In addition, a purchase item or service may be selected through a menu selection, and a payment using a virtual currency may be requested by clicking on a virtual currency payment.

In one embodiment, the consumer terminal 110 receives the virtual currency payment completion signal transmitted from the payment server 120 through the network 150 to check the transaction information and payment information in the received virtual currency payment completion signal. To inform the consumer. Here, in the case of notification of transaction information and payment information, the consumer displays the transaction information and the amount page provided by the payment server 120 after the user clicks on the virtual currency through the display means.

In one embodiment, the consumer terminal 110, after receiving the virtual currency payment request signal to the payment server 120, when receiving the virtual money amount information transmitted from the payment server 120, the received virtual By notifying the consumer of the monetary value information, the consumer may check the virtual currency amount information according to the current price of the virtual currency and then decide whether to make a final payment.

In one embodiment, the consumer terminal 110, after generating the download request signal (including the consumer identification information) to the payment server 120, the virtual currency payment integration app (transmitted from the payment server 120) Or, the virtual currency payment integration program) can be downloaded and installed in the internal memory, the output means connected to the payment server 120 in the case of running the corresponding virtual currency payment integration app (or virtual currency payment integration program). Through the main screen can be displayed (or voice output).

In one embodiment, when accessing the payment server 120, the consumer terminal 110 may receive the main screen information transmitted from the payment server 120, and display the main screen through the output means. .

In one embodiment, the consumer terminal 110, when the consumer selects a login item from the selection items on the main screen through the input means, the login selection signal (consumer identification information) for confirming this to inform the selected login item It can be generated and transmitted to the payment server 120, and then receiving the login screen information transmitted from the payment server 120, and displays the login screen through the output means (or voice output) I can make it.

In one embodiment, the consumer terminal 110, in the input box of the login screen, inputs the consumer identification information (for example, one of the ID, email address, telephone number) of the consumer-related information through the input means to select the login In this case, by confirming this, a login request signal (including consumer identification information) including the input consumer identification information may be generated and transmitted to the payment server 120, and then transmitted from the payment server 120. The authentication completion signal is received through the consumer terminal 110, the authentication completion can be displayed (or voice output) through the output means.

In one embodiment, the consumer terminal 110, the consumer inputs merchant search words (eg, business name, region name, category name, etc.) through input means such as a keypad, keyboard, touch pad, touch screen (or, Select) to request a merchant search.

In one embodiment, the consumer terminal 110, when the merchant search request through the input means, confirms the merchant search request through the corresponding input means to generate a merchant search request signal, that is, input through the corresponding input means ( Alternatively, the affiliated store search request signal including the selected affiliated store search word and the consumer identification information for identifying the consumer terminal 110 may be generated.

In an embodiment, the consumer terminal 110 may receive affiliate store related information transmitted from the payment server 120 and output affiliate store related information through an output means such as an LCD, a touch screen, or a speaker.

In one embodiment, the consumer terminal 110, by receiving the available time information delivered from the payment server 120 and outputs it through the output means, the consumer can visit the merchant at the available time, the consumer May not have to wait to receive the goods or services ordered. Here, the available time information may be a time taken to receive goods or services after the virtual currency payment.

In one embodiment, the agent terminal 111, when the consumer of the consumer terminal 110 is lower than a predetermined age, when the payment request of the consumer terminal is set to check the payment approval information or the consumer received from the merchant terminal If the condition is set through the confirmation information is provided to receive payment approval request information from the payment server 120 is provided to transmit the payment approval information.

In one embodiment, when the consumer requests the payment using the virtual currency after viewing the merchant-related information through the consumer terminal 110 and selecting the merchant and the purchased goods or services, the age information of the corresponding consumer is also configured to be transmitted. In addition, the payment server 120 checks the consumer age information, and when the age is lower than the predetermined age information or according to the consumer confirmation information received from the merchant terminal 140, the payment approval request information of the agent terminal 111 is required. If it is determined that the payment server 120 may perform the request for identification information of the agent terminal 111 to the consumer terminal 110 before the virtual currency payment.

Of course, even when the payment request of the consumer terminal 110 is set according to the preset setting, the payment approval information of the agent terminal 111 is transmitted to the consumer terminal 110 before the payment server 120 performs the virtual currency payment. You can fulfill the request.

The identification information of the agent terminal 111 may be a phone number of the corresponding agent terminal 111, etc., the payment server 120 through this to the payment approval information according to the age or lower than the preset age information When it is set to be confirmed or when it is determined that the payment approval request information of the agent terminal 111 is required according to the consumer confirmation information received from the merchant terminal 140, when the consumer terminal 110 transmits a virtual currency payment request signal, Information (including merchants and purchased goods or services (or information such as previously stored server virtual currency information)) is generated and transmitted to the agent terminal 111 through the network 150, together with payment approval request information. Can be transmitted.

Accordingly, when the payment server 120 requests the identification information of the agent terminal 111, the consumer terminal 110 transmits the identification information of the agent terminal 111 stored in the consumer terminal 110. The payment request of the consumer terminal 110 is canceled.

In addition, when the agent terminal 111 receives payment approval request information from the payment server 120, the agent terminal 111 may transmit payment approval information or payment disapproval information according to the user input information of the agent who checked the transaction information delivered together with the agent terminal ( When 111 transmits the payment disapproval information to the payment approval request of the payment server 120, the payment request of the consumer terminal 110 is canceled.

Here, the agent may be a guardian or delegated agent such as a parent who is a legal representative, and the identification information of the agent terminal 111 is stored in the consumer terminal 110.

The reason for the approval of payment through the agent terminal 111 is that the consumer who performs the payment request is low in age, has low economic judgment ability, has excessive power consumption, etc. through payment approval information of the designated agent terminal 111. By ensuring that final settlement is made, it is possible to improve transactional stability and reduce misconsumption of minors or the elderly who are vulnerable to economic notions.

In addition, when the payment server 120 has a payment request of the consumer terminal 110 to induce the promptness of the transaction, and the payment approval information of the agent terminal 111 is required, the payment server 120 approves the payment. If payment approval information is not received for a predetermined time after the information request, the payment server 120 may configure the payment approval.

The payment approval of the payment server 120 is determined in the case where the payment server 120 is set to determine whether the payment approval information when the payment approval information for a certain time when the payment approval information is requested from the agent terminal 111 The payment approval of the payment server 120 is performed by first analyzing the transaction information (including information such as merchants and purchased goods or services (or previously stored server virtual currency information)) and the agent terminal ( The determination is made according to the case where the payment approval information is requested to 111).

That is, when the age of the consumer is low based on the age information, it is determined whether the purchase goods or services are goods or services suitable for an adult to purchase or receive services, and determine whether to approve payment according to a predetermined setting.

The determination criteria based on the transaction information of the payment server 120 is determined by storing it in a memory means of the payment server 120 or a database 130 to be described later.

In addition, when the payment server 120 determines whether the payment is approved through the transaction information, if it is determined to be suitable for payment approval, the payment server 120 re-determines whether the payment is approved through the merchant information.

If the payment disapproval information of the agent terminal 111 is received above the setting criteria after the request for payment approval information of the agent terminal 111 at the time of the transaction at the existing merchant, the payment server 120 determines that it is inappropriate in determining whether the payment is approved. .

That is, when the consumer terminal 110 requests payment approval from the affiliated store and requests for payment approval information are made to the agent terminal 111, the ratio between the number of payments of approval information transmitted by the agent terminal 111 and the number of payments of unauthorized payment information The distribution determines whether the payment is approved according to the setting criteria.

For example, if the payment rate of the disapproval information of the agent terminal 111 of the affiliated store exceeds 30% of the total number of transmissions (preset basis), the payment server 120 determines that the payment is disapproved when the payment server 120 approves the payment. To lose.

In addition, the payment server 120 may determine whether the payment is approved based on the transaction history information of the corresponding consumer terminal 110. When the corresponding consumer terminal 110 requests the payment approval of the existing agent terminal 111, the payment is made. The ratio between the case of receiving the approval information and the case of receiving the payment disapproval information determines whether the payment is approved according to the setting criteria.

As such, when the payment approval information reception corresponding to the payment approval information request of the agent terminal 111 does not reach for a predetermined time or more, the payment server 120 uses transaction information, merchant information, and transaction history information of the consumer terminal 110. By determining whether the payment is approved, it is possible to induce a prompt transaction.

The payment server 120, after performing the virtual currency payment according to the virtual currency payment request transmitted from the consumer terminal 110, notifies the consumer terminal 110 of the completion of the virtual currency payment, and generalizes the paid virtual currency. Turn into a call to settle the merchant and notifies the merchant terminal 140 of the settlement completion.

In one embodiment, the payment server 120 receives the affiliated store search request signal transmitted from the consumer terminal 110 through the network 150, and reads and lists the corresponding affiliated store related information from the database 130. It may be transmitted to the consumer terminal 110 through the network 150.

In one embodiment, the payment server 120, has a server virtual wallet, receives the virtual currency payment request signal transmitted through the network 150 from the consumer terminal 110, the received virtual currency payment request signal Checks consumer virtual currency information (public key, secret key, etc.) and transaction information (such as merchants and purchased goods or services (or previously stored server virtual currency information)), and uses the server virtual wallet According to the confirmed consumer virtual currency information and transaction information, the corresponding virtual currency payment can be performed.

In an embodiment, the payment server 120 may exchange virtual currency information between the consumer terminal 110 and each other, and further, the consumer virtual currency information checked in the virtual currency payment request signal received from the consumer terminal 110. The transaction information (or previously stored server virtual currency information) and the server virtual currency information (or previously stored consumer virtual currency information) may be compared with each other to determine whether the payment is authenticated and to authenticate the payment.

In an embodiment, the payment server 120 generates a virtual currency payment completion signal (including transaction information and payment information) after the virtual currency payment authentication and transmits it to the consumer terminal 110 through the network 150. At the same time, convert the settled cryptocurrency into a general currency (eg, won) to allow the merchant to settle through a financial institution, and then generate a settlement completion signal (including transaction information and settlement information) to generate a network (150). Can be transmitted to the merchant terminal 140 through). Here, when the virtual currency is converted into a general currency (for example, won), it may be made through a virtual currency exchange.

In one embodiment, when the payment server 120 receives the virtual currency payment request signal transmitted from the consumer terminal 110 through the network 150, after retrieving the current price of the virtual currency, the searched virtual According to the current price of the currency, the amount of the virtual currency corresponding to the identified transaction information (for example, the amount of the general currency (for example, won) of the purchased goods or services) is calculated, and the calculated amount of the virtual currency information is stored in the consumer terminal ( 110).

In one embodiment, the payment server 120, when calculating the amount of virtual currency, according to the current price of the retrieved virtual currency, the corresponding transaction information (for example, the general currency (for example, won) amount of goods or services purchased) ), You can calculate the total amount of cryptocurrency, plus the fee.

In one embodiment, the payment server 120 receives the download request signal transmitted from the consumer terminal 110, and reads the virtual currency integration app (or virtual currency integration program) from the database 130 and the corresponding The virtual currency settlement integrated app (or virtual currency settlement integrated program) that has been read may be transmitted to the consumer terminal 110.

In one embodiment, the payment server 120 checks when the consumer terminal 110 is connected, reads the main screen information from the database 130 and transfers the read main screen information to the consumer terminal 110. I can send it.

In one embodiment, the payment server 120 receives the login selection signal transmitted from the consumer terminal 110, checks the consumer identification information from the received login selection signal, and stores the corresponding login screen information in the database ( 130, and transmits the read login screen information to the consumer terminal 110.

In one embodiment, the payment server 120 receives the login request signal transmitted from the consumer terminal 110, confirms the consumer identification information from the received login request signal, the corresponding consumer identification information is a database ( Check whether the information is registered in the consumer-related information of 130, and if the identified consumer identification information is registered in the database 130, the authentication completion signal can be generated and transmitted to the consumer terminal 110.

In one embodiment, the payment server 120 receives the affiliated store search request signal transmitted from the consumer terminal 110 through the network 150, and confirms the affiliated store search word and the consumer identification information from the received affiliated store search request signal. In addition, the affiliated store-related information corresponding to the identified affiliated store search word may be read from the database 130 and listed, and transmitted to the consumer terminal 110 corresponding to the identified consumer identification information through the network 150. .

In an embodiment, the payment server 120 may receive the available time information transmitted from the affiliated store terminal 140 through the network 150 and transmit the received available time information to the corresponding consumer terminal 110.

The database 130 may include information related to affiliated stores (for example, affiliated store information (eg, trade name, product or service introduction, location, telephone number, etc.), affiliated store identification information for identifying the affiliated store, and affiliated store terminals installed in the affiliated store). Information related to 140 (eg, information on installed devices, device identification information, etc.) is stored in a database by region or by category (eg, goods or service type, etc.).

In one embodiment, the database 130, the consumer virtual currency information (public key, secret key, etc.) and transaction information (commercial stores and purchased goods or services (or previously stored server) delivered from the payment server 120 Information such as cryptocurrency information), transaction information and payment information for the completion of the virtual currency settlement, and transaction information and settlement information for the settlement of the settlement can be databased and stored for each consumer identification information (or affiliated store identification information). .

In one embodiment, the database 130 may register the current price of the virtual currency, and may also upgrade the current price of the virtual currency from the cryptocurrency exchange at regular intervals.

In one embodiment, the database 130 may include consumer-related information (eg, consumer information (eg, name, gender, age, favorite items or services, etc.), consumer address, email address, consumer, etc., including consumer identification information). Information related to the terminal 110 (for example, a phone number, terminal identification information, etc.) may be stored in advance in a database for each consumer identification information.

In one embodiment, the database 130 is a virtual currency integration app (or virtual) to provide a consumer to integrate the process of searching for merchants and the process of performing orders and cryptocurrency payments for goods or services of the merchants. Money settlement integrated program) can be set and saved in advance.

In one embodiment, the database 130 may include information about the main screen (ie, main screen information) including information on selection items (eg, items such as login, affiliate search, etc.), and for the consumer to log in. The information on the screen (that is, the login screen information) and the information on the screen (ie, the virtual currency settlement screen information) for executing the order of goods or services of the merchant and the virtual currency payment can be set and stored in advance.

The affiliated store terminal 140 is notified of the settlement completion from the payment server 120.

In one embodiment, the merchant terminal 140 is a device or terminal installed or used in a merchant (for example, a restaurant, an order producer, a delivery company, etc.), for example, a POS terminal, a smartphone, a mobile phone, It may be a wireless communication terminal such as a mobile phone or a PDA, or a terminal capable of communicating, such as a laptop or a PC.

In one embodiment, the merchant terminal 140 does not have a virtual wallet, receives the settlement completion signal transmitted through the network 150 from the payment server 120, the transaction information and settlement from the received settlement completion signal You can check the information and notify the merchant manager or operator. Thus, the consumer shows the transaction information and payment information notified to the consumer terminal 110 to the merchant manager or operator, and then the merchant manager or operator compares the transaction information and settlement information notified to the merchant terminal 140 to this. It will be able to provide the appropriate goods or services to the consumer.

In one embodiment, the merchant terminal 140 may not immediately provide the goods or services ordered by the consumer (for example, food, order products, etc.), so in this case, the merchant manager or operator When the consumer inputs information (ie, available time information) on a date or time at which the consumer can provide the ordered goods or services, the inputted available time information may be transmitted to the payment server 120.

The network 150 includes a wired communication network or a wireless communication network, and connects the wired or wireless communication between the plurality of consumer terminals 110 and the payment server 120 and between the payment server 120 and the plurality of merchant terminals 140. By connecting to each other to perform data transmission and reception.

Payment system 100 using the virtual currency having the configuration as described above, the payment server 120 to allow the consumer to pay the virtual currency and to convert the settled virtual currency into a general currency (eg, won) to settle at the merchant. By implementing, the merchant does not have to have a virtual wallet, and from the standpoint of the merchant, the merchant does not need to make a virtual wallet and also does not create a virtual wallet, thus providing convenience and increasing sales through virtual currency. The number can be increased, and it is easy and convenient for consumers who use virtual currency.

FIG. 2 is a diagram illustrating a payment server in FIG. 1 as a first example.

2, the payment server 120 includes an operation management server 121, a payment agent server 122, and a virtual wallet server 123. Here, the payment server 120 is divided into the operation management server 121, the payment agent server 122, the virtual wallet server 123 according to its function or role, but the present invention is not limited thereto, but for convenience of description. Things should be better.

The operation management server 121 receives the affiliated store search request signal transmitted from the consumer terminal 110 through the network 150, reads and lists the affiliated store related information from the database 130, and then lists the network 150. Through the transmission to the consumer terminal 110.

In one embodiment, the operation management server 121 receives the download request signal transmitted from the consumer terminal 110, and reads the virtual currency payment integration app (or virtual currency payment integration program) from the database 130 and The read virtual currency integration app (or, virtual currency integration program) can be sent to the consumer terminal 110.

In an embodiment, the operation management server 121 checks this when the consumer terminal 110 is connected, reads main screen information from the database 130, and reads the read main screen information from the consumer terminal 110. Can be sent to

In one embodiment, the operation management server 121 receives the login selection signal transmitted from the consumer terminal 110, confirms the consumer identification information from the received login selection signal, and stores the login screen information corresponding thereto. It reads from the 130 and can transmit the read login screen information to the consumer terminal 110.

In one embodiment, the operation management server 121 receives the login request signal transmitted from the consumer terminal 110, and confirms the consumer identification information from the received login request signal, the identified consumer identification information database Check whether it is registered in the consumer-related information of the 130, and if the identified consumer identification information is registered in the database 130, it can generate an authentication completion signal and transmit it to the consumer terminal (110).

In one embodiment, the operation management server 121 receives the affiliated store search request signal transmitted from the consumer terminal 110 through the network 150, and receives the affiliated store search word and the consumer identification information from the received affiliated store search request signal. And, the merchant-related information corresponding to the identified merchant search words can be read from the database 130 and listed, and transmitted to the consumer terminal 110 corresponding to the identified consumer identification information through the network 150. have.

In an embodiment, the operation management server 121 may receive the available time information transmitted from the affiliated store terminal 140 through the network 150 and transmit the received time information to the corresponding consumer terminal 110.

After performing the virtual currency payment according to the virtual currency payment request transmitted from the consumer terminal 110, the payment agent server 122 notifies the consumer terminal 110 of the completion of the virtual currency payment and informs the corresponding virtual currency. Deposit to the virtual wallet server (123).

In one embodiment, the payment agent server 122, the consumer virtual currency information (public key, secret key, etc.) and transaction information in the virtual currency payment request signal received from the consumer terminal 110 through the network 150 (Information such as merchants and purchased goods or services (or previously stored server virtual currency information), etc.), and according to the confirmed consumer virtual currency information and transaction information, the corresponding virtual currency payment can be performed.

In an embodiment, the payment agent server 122 may exchange virtual currency information between the consumer terminal 110 and the virtual wallet server 123, and also request for a virtual currency payment received from the consumer terminal 110. Consumer virtual currency information and transaction information (or previously stored server virtual currency information) identified in the signal and the server virtual currency information (or previously stored consumer virtual currency information) of the virtual wallet server 123 are compared with each other for payment. Judging whether or not authentication can be verified.

In one embodiment, the payment agent server 122 generates a virtual currency payment completion signal (including transaction information and payment information) after the virtual currency payment authentication to transmit to the consumer terminal 110 through the network 150 Can give

In one embodiment, when the payment agent server 122 receives the virtual currency payment request signal transmitted through the network 150 from the consumer terminal 110, after searching the current price of the virtual currency, the searched According to the current price of the virtual currency, the amount of the virtual currency corresponding to the confirmed transaction information (for example, the amount of the general currency (for example, won) of the purchased goods or services) is calculated, and the calculated amount of the virtual currency information is used for the consumer terminal. 110 can be sent.

In one embodiment, the payment agent server 122, if the consumer orders a cup of coffee sold in the general currency amount (for example, 7,000 won) at the merchant, the virtual currency to match the 7,000 won according to the current price of the virtual currency After transmitting the amount information to the consumer terminal 110, the virtual currency payment can be performed at the time of the final payment decision from the consumer terminal (110).

In one embodiment, the payment agent server 122, when calculating the amount of virtual currency, according to the current price of the virtual currency, the total amount of virtual currency sum plus the fee corresponding to the general currency amount of the purchased goods or services It can be calculated, and the information about the calculated total cryptocurrency amount can be transmitted to the consumer terminal 110, and the cryptocurrency payment with the calculated total cryptocurrency amount at the time of final payment decision from the consumer terminal 110. You can also do

In one embodiment, the payment agent server 122, after performing the virtual currency payment with the total amount of virtual currency, may deposit the virtual currency excluding the fee to the virtual wallet server 123.

The virtual wallet server 123 converts the virtual currency received from the payment agent server 122 into a general currency to settle the affiliated store and notify the affiliated store terminal 140 of the settlement completion.

In one embodiment, the virtual wallet server 123 has a server virtual wallet, and can receive the virtual currency from the payment agent server 122 to the server virtual wallet.

In one embodiment, the virtual wallet server 123, by converting the virtual currency received from the payment agent server 122 into a general currency (for example, won) to be settled to the merchant through the financial institution, the settlement completion signal (Including transaction information and settlement information) may be generated and transmitted to the affiliated store terminal 140 through the network 150.

3 is a diagram illustrating a payment server in FIG. 1 as a second example.

3, the payment server 120 includes an interface unit 124, an operation management unit 125, a payment agent 126, and a virtual wallet unit 127.

The interface unit 124 communicates with the consumer terminal 110 or the affiliated store terminal 140 through the network 150, and has unique identification information (eg, consumer identification information and affiliated store identification) that each has its own. Information, etc.) to identify the respective consumer terminal 110 or affiliated terminal 140 connected to the communication, and then receive the affiliated store search request signal transmitted from the consumer terminal 110 to the affiliated store search unit 122. After the transfer, the merchant-related information transmitted from the merchant search unit 122 is transmitted to the consumer terminal 110, and also after the virtual currency payment request transmitted from the consumer terminal 110 to the payment agent 126, Notifies the consumer terminal 110 of the completion of the virtual currency payment delivered from the payment agency 126, and notifies the affiliated store terminal 140 of the settlement completion delivered from the virtual wallet 127.

The operation management unit 125 reads and lists affiliated store related information from the database 130 according to the affiliate store search request signal transmitted from the interface unit 121 and delivers the list to the interface unit 121.

In one embodiment, when the operation management unit 125 receives the download request signal transmitted from the consumer terminal 110 through the interface unit 121, the virtual currency settlement integrated app (or, virtual currency settlement integrated program). This can be read from the database 130 and transmit the read virtual currency payment integration app (or, virtual money integration integrated program) to the consumer terminal 110 through the interface unit 121.

In one embodiment, the operation management unit 125 checks this when the consumer terminal 110 is connected, reads the main screen information from the database 130 and uses the read main screen information as the interface unit 121. Through the consumer terminal 110 can be transmitted.

In one embodiment, the operation management unit 125, when receiving the login selection signal transmitted from the consumer terminal 110 through the interface unit 121, by checking the consumer identification information from the received login selection signal, The corresponding login screen information may be read from the database 130 and the read login screen information may be transmitted to the consumer terminal 110 through the interface unit 121.

In one embodiment, the operation management unit 125, when receiving the login request signal transmitted from the consumer terminal 110 through the interface unit 121, and confirms the consumer identification information from the received login request signal, Check whether the identified consumer identification information is registered in the consumer-related information of the database 130, and if the identified consumer identification information is registered in the database 130 to generate an authentication completion signal interface unit 121 Can be transmitted to the consumer terminal 110 through.

In one embodiment, when the operation management unit 125 receives the affiliated store search request signal transmitted from the consumer terminal 110 through the interface unit 121, the affiliated store search word and the consumer identification from the received affiliated store search request signal. The information is checked, and the merchant-related information corresponding to the identified merchant search word is read from the database 130 and listed, and transmitted to the consumer terminal 110 corresponding to the identified consumer identification information through the interface unit 121. I can do it.

In one embodiment, when the operation management unit 125 receives the available time information transmitted from the affiliated store terminal 140 through the interface unit 121, the available available time received through the interface unit 121. Information may be delivered to the corresponding consumer terminal 110.

The payment agent 126, after performing the virtual currency payment according to the virtual currency payment request transmitted from the interface unit 121, delivers the virtual currency payment completion to the interface unit 121, and at the same time the virtual payment The money is deposited into the virtual wallet server (123).

In one embodiment, when the payment agent 126 receives the virtual currency payment request signal transmitted from the consumer terminal 110 through the interface unit 121, the consumer virtual in the received virtual currency payment request signal. Check the currency information (public key, secret key, etc.) and transaction information (such as merchants and purchased goods or services (or previously stored server virtual currency information)), and confirmed consumer virtual currency information and transaction information As a result, a corresponding virtual currency payment can be performed.

In one embodiment, the payment agent 126 may exchange virtual currency information between the consumer terminal 110 and the virtual wallet server 123 through the interface unit 121, and also interface unit 121. Consumer virtual currency information and transaction information (or previously stored server virtual currency information) and virtual server information of the virtual wallet server 123 (or previously stored consumer virtual currency information) identified in the virtual currency payment request signal received through Money information) can be compared to each other to determine whether payment verification and payment verification.

In one embodiment, the payment agent 126 generates a virtual currency payment completion signal (including transaction information and payment information) after the virtual currency payment authentication and transmits it to the consumer terminal 110 through the interface unit 121. I can do it.

In one embodiment, if the payment agent 126 receives the virtual currency payment request signal transmitted from the consumer terminal 110 through the interface unit 121, after searching the current price of the virtual currency, the corresponding According to the current price of the retrieved cryptocurrency, the cryptocurrency amount corresponding to the identified transaction information (for example, the general currency (eg, won) amount of the purchased goods or services) is calculated, and the calculated cryptocurrency amount information is interfaced. It can be transmitted to the consumer terminal 110 through the unit 121.

In one embodiment, the payment agent 126, if the consumer orders a cup of coffee sold in the general currency amount (for example, 7,000 won) at the merchant, the virtual currency to match the 7,000 won according to the current price of the virtual currency After transmitting the amount information to the consumer terminal 110 through the interface unit 121, the final payment decision from the consumer terminal 110 can be received through the interface unit 121 to perform the virtual currency payment.

In one embodiment, the payment agent 126, when calculating the amount of virtual currency, according to the current price of the virtual currency, the total amount of virtual currency sum plus the fee corresponding to the general currency amount of the purchased goods or services It can be calculated, and the information about the calculated total virtual currency amount can be transmitted to the consumer terminal 110 through the interface unit 121, and also the final payment from the consumer terminal 110 through the interface unit 121 In the case of receiving a decision, the cryptocurrency payment may be performed using the calculated total cryptocurrency amount.

In one embodiment, the payment agent 126 may deposit the virtual currency excluding the fee to the virtual wallet server 123 after performing the virtual currency settlement with the total virtual currency amount.

The virtual wallet unit 127 converts the virtual currency received from the payment agent unit 126 into a general currency, settles the merchant, and delivers the settlement completion to the interface unit 121.

In one embodiment, the virtual wallet 127 has a server virtual wallet, and can receive the virtual currency from the payment agent 126 as a server virtual wallet.

In an embodiment, the virtual wallet unit 127 converts the virtual currency received from the payment agent unit 126 into a general currency (for example, won) to allow the merchant to settle the merchant through a financial institution, and then settles the signal. (Including transaction information and settlement information) may be generated and transmitted to the affiliated store terminal 140 through the interface unit 121.

4 is a diagram illustrating a payment method using virtual currency according to an embodiment of the present invention.

Referring to FIG. 4, the consumer terminal 110 requests the payment server 120 to make a payment using virtual currency (S401).

In requesting the virtual currency payment in step S401 described above, the consumer terminal 110 generates a merchant search request signal corresponding thereto according to the consumer merchant search request and transmits it to the payment server 120 through the network 150. Can be. Accordingly, the payment server 120 receives the affiliated store search request signal transmitted from the consumer terminal 110 through the network 150, reads and lists the affiliated store related information from the database 130, and lists the network 150. Can be transmitted to the consumer terminal 110 through. Then, the consumer terminal 110 may receive the affiliated store related information transmitted from the payment server 120 and notify the consumer.

In requesting payment of virtual currency in step S401, when the consumer requests payment using virtual currency after viewing the affiliated store-related information and selecting a merchant and a purchase product or service, in the consumer terminal 110, the consumer virtual wallet The virtual currency payment request signal (consumer virtual currency information (public key, secret key, etc.) and corresponding transaction information and merchant information (e.g. merchants and purchase goods) according to the consumer's request for payment of virtual currency using the virtual wallet. Or a service (or information such as previously stored server virtual currency information)) may be generated and transmitted to the payment server 120 through the network 150.

When the virtual currency payment is requested in step S401 described above, the payment server 120 performs the virtual currency payment according to the virtual currency payment request transmitted from the consumer terminal 110 (S402).

In performing the virtual currency payment in step S402 described above, the payment server 120, having a virtual wallet server, receives the virtual currency payment request signal transmitted through the network 150 from the consumer terminal 110, Check the consumer virtual currency information (public key, secret key, etc.) and transaction information (such as merchants and purchased goods or services (or previously stored server virtual currency information)) in the received virtual currency settlement request signal. In addition, the server virtual wallet can perform a virtual currency payment according to the confirmed consumer virtual currency information and transaction information.

In performing the virtual currency payment in step S402 described above, the payment server 120, the consumer terminal 110 and the virtual currency information can be exchanged with each other, and also the virtual currency payment request received from the consumer terminal 110 By comparing the consumer virtual currency information and transaction information (or previously stored server virtual currency information) and server virtual currency information (or previously stored consumer virtual currency information) identified in the signal, it is determined whether the payment is authenticated and the payment authentication is performed. I can do it.

In performing the virtual currency payment in step S402 described above, when the payment server 120 receives the virtual currency payment request signal transmitted through the network 150 from the consumer terminal 110, the current price of the virtual currency After searching, calculate the cryptocurrency amount corresponding to the identified transaction information (for example, the general currency (eg, won) amount of the purchased goods or services) according to the current price of the found cryptocurrency, and calculate the calculated The virtual currency amount information may be transmitted to the consumer terminal 110. Accordingly, when the consumer terminal 110 receives the virtual money amount information transmitted from the payment server 120, the consumer terminal 110 notifies the consumer of the received virtual money amount information, thereby providing the virtual currency according to the current price of the virtual money. After confirming the amount information, it may be possible to determine whether or not the final payment is made. Then, the payment agent server 122, it is possible to perform the virtual currency payment at the time of the final payment determination from the consumer terminal 110.

In performing the virtual currency settlement in the above-mentioned step S402, the payment server 120, when calculating the virtual currency amount, the transaction information (e.g., confirmed in the above-described step S402 according to the current price of the virtual currency found in the above-mentioned step S402). For example, we can calculate the total amount of cryptocurrency, which is the sum of the fee and the amount of cryptocurrency corresponding to the general currency (for example, won) amount of the purchased goods or services, and the information about the calculated total cryptocurrency It may be transmitted to the terminal 110. Thereafter, the payment server 120 may perform the virtual currency payment with the calculated total virtual money amount at the time of the final payment decision from the consumer terminal 110.

After performing the virtual currency payment in step S402 described above, the payment server 120 notifies the consumer terminal 110 of the completion of the virtual currency payment, the consumer terminal 110, the payment server 120 You will be notified that the payment completion of the virtual currency (S403).

In the notification of the completion of the virtual currency payment in step S403 described above, the payment server 120 generates a virtual currency payment completion signal (including transaction information and payment information) to the consumer terminal 110 through the network 150. Can be sent to

In the notification of the completion of the virtual currency payment in step S403 described above, the consumer terminal 110 receives the virtual currency payment completion signal transmitted through the network 150 from the payment server 120 and receives the received virtual currency payment. In the completion signal, the transaction information and payment information can be confirmed and notified to the consumer.

Upon being notified of the completion of the virtual currency payment in step S403 described above, the payment server 120 converts the virtual currency paid in step S402 into a general currency and settles it to the affiliated store (S404).

In performing the settlement in the above-described step S404, the payment server 120, the virtual currency paid in the above-mentioned step S402 may be changed to a general currency (for example, won) to allow the merchant to settle through a financial institution.

After performing the settlement in the above-described step S404, the payment server 120 notifies the merchant terminal 140 of the completion of the settlement, and then the merchant terminal 140 notifies the settlement completion from the payment server 120. It is received (S405).

In reporting settlement completion in step S404 described above, the settlement server 120 generates a settlement completion signal (including transaction information and settlement information) and transmits it to the affiliated store terminal 140 through the network 150. Can be.

In the notification of completion of settlement in step S404 described above, the merchant terminal 140 does not have a virtual wallet and receives the settlement completion signal transmitted through the network 150 from the payment server 120. Transaction information and settlement information can be checked in the settlement completion signal and notified to the merchant manager or operator. Thus, the consumer shows the transaction information and payment information notified to the consumer terminal 110 to the merchant manager or operator, and then the merchant manager or operator compares the transaction information and settlement information notified to the merchant terminal 140 to this. It will be able to provide the appropriate goods or services to the consumer.

In the notification of the completion of the settlement in step S404 described above, the consumer terminal may not immediately provide the ordered goods or services (for example, food, ordered products, etc.). In operation 140, when a merchant manager or an operator inputs information (ie, available time information) about a date or time at which a consumer may provide an item or a service ordered by a consumer, the inputted available time information may be transferred to a payment server ( 120). Accordingly, the payment server 120 may receive the available time information transmitted from the affiliated store terminal 140 through the network 150 and transmit the received time information to the corresponding consumer terminal 110. Then, the consumer terminal 110, by receiving the available time information delivered from the payment server 120 and outputs through the output means, the consumer can visit the merchant at the available time, the goods ordered by the consumer You can also avoid having to wait for service.

As described above, the embodiment of the present invention is not implemented only through the above-described apparatus and / or operation method, but through a program for realizing a function corresponding to the configuration of the embodiment of the present invention, a recording medium on which the program is recorded, and the like. The implementation may be easily implemented by those skilled in the art to which the present disclosure pertains based on the description of the above-described embodiments. Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements of those skilled in the art using the basic concepts of the present invention defined in the following claims are also provided. It belongs to the scope of rights.

100: payment system using virtual currency
110: consumer terminal
111: agent terminal
120: payment server
121: operation management server
122: payment agency server
123: virtual wallet server
124: interface unit
125: operation management department
126: payment agency
127: virtual wallet
130: database
140: merchant terminal
150: network

Claims (7)

A consumer terminal requesting payment using a virtual currency and being notified of completion of the virtual currency payment;
A payment server that performs virtual currency payment according to the request for payment of virtual currency from the consumer terminal, notifies the consumer terminal of the completion of virtual currency payment, converts the paid virtual currency into a general currency, settles the merchant, and notifies the settlement completion. ;
Merchant terminal receiving notification of the settlement completion from the payment server, receives a request for consumer confirmation information from the payment server to request the virtual currency payment of the consumer terminal; And
When the consumer of the consumer terminal is lower than a preset age, when the payment request of the consumer terminal is set to check the payment approval information or when the conditions set by the consumer confirmation information received from the merchant terminal payment approval from the payment server And a proxy terminal for receiving payment request information and transmitting payment approval information.
The method of claim 1,
The consumer terminal,
In response to a request for a merchant search of a consumer, a corresponding merchant search request signal is generated and transmitted to the payment server, receiving the affiliate related information transmitted from the payment server, and notifying the consumer,
When a consumer has a virtual wallet and a consumer selects a merchant and a purchase item or service and requests a virtual currency payment, the virtual virtual wallet uses a virtual wallet to send a corresponding virtual currency payment request signal according to the consumer's virtual currency payment request. Payment system using a virtual currency, characterized in that for generating and transmitting to the payment server.
The method of claim 1,
The consumer terminal
Generates a virtual currency payment request signal including consumer virtual currency information, transaction information of merchants and purchased goods or services, or server virtual currency information stored in advance, and transmits it to the payment server;
Check the transaction information and payment information from the virtual currency settlement completion signal received from the payment server and notify the consumer, and when receiving the virtual money amount information transmitted from the payment server, notify the consumer of the virtual money amount information. ,
After confirming the virtual currency amount information according to the current price of the virtual currency to determine whether to make the final payment, payment using the virtual currency, characterized in that receiving the available time information delivered from the payment server and output through the output means system.
The method of claim 2,
The payment server,
Receives the affiliated store search request signal transmitted from the consumer terminal, reads and lists affiliated store related information, and transmits it to the consumer terminal,
A server virtual wallet is provided, and the virtual currency settlement request signal received from the consumer terminal checks the consumer virtual currency information, merchant information of the merchant and the purchased goods or services, or previously stored server virtual currency information, and the server virtual wallet is checked. In accordance with the consumer virtual currency information and transaction information to perform the corresponding virtual currency payment,
Exchanges virtual currency information between the consumer terminal and each other, and the consumer virtual currency information identified in the virtual currency payment request signal received from the consumer terminal, transaction information of merchants and purchases or services, or previously stored server virtual currency information. And comparing the server virtual currency information or the pre-stored consumer virtual currency information with each other to determine whether the payment is authenticated and to verify the payment, and to generate a virtual currency payment completion signal including transaction information and payment information to transmit to the consumer terminal. Payment system using a virtual currency characterized by.
The method of claim 3,
The payment server
After converting the settled cryptocurrency into a general currency and paying it to the merchant through a financial institution, generating a settlement completion signal including transaction information and settlement information and transmitting it to the merchant terminal and searching the current price of the virtual currency, Calculate the virtual currency amount corresponding to the general currency amount of the purchased goods or services according to the current price of the virtual currency, and transmit the calculated virtual currency amount information to the consumer terminal,
When calculating the amount of cryptocurrency, the total cryptocurrency amount of which the fee is added to the cryptocurrency amount corresponding to the general currency amount of the purchased goods or services according to the current price of the virtual currency, and the merchant search request signal received from the consumer terminal Checks the merchant search term and the consumer identification information, and reads and lists the merchant related information corresponding to the merchant search word and transmits it to the consumer terminal corresponding to the consumer identification information.
The method of claim 4,
It further includes a database that stores and stores affiliated store related information, affiliated store identification information, and affiliated store terminal related information by region or category.
The database may include settlement of consumer virtual currency information delivered from the payment server, transaction information of merchants and purchased goods or services, server virtual currency information previously stored, transaction information and payment information for the completion of virtual currency settlement, and settlement of settlement. It stores and stores the transaction information and settlement information for each database by consumer identification information or merchant identification information.
The database registers the current price of the virtual currency, and checks and upgrades the current price of the virtual currency from the virtual currency exchange at a predetermined time interval.
The method of claim 5,
The payment server,
An interface unit for transmitting the virtual currency payment request from the consumer terminal, notifying the consumer terminal of receiving the completion of the virtual currency payment, and notifying the affiliated store terminal of the settlement completion;
A payment agent which performs virtual currency payment according to the virtual currency payment request transmitted from the interface unit, transfers the completion of the virtual currency payment from the interface unit, and deposits the paid virtual currency; And
And converting the virtual currency received from the payment agency into a general currency, paying the merchant to the merchant, and transmitting a settlement completion from the interface unit.

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