KR20200012746A - A server and a payment computing device for payment at a store by electronic cash - Google Patents

Abstract

Disclosed in an embodiment of the present invention is a server for electronic money payment in a store, the server comprising: a server transmitting and receiving unit which receives a client approval with respect to an electronic money payment from a client terminal, the client approval including client identification information to identify a client and a client account corresponding to the client, and receives an electronic money payment request with respect to an original payment amount which is calculated after adding up price information with respect to at least one product selected by the client in a payment computing device corresponding to a store; and a server control unit which generates a transaction in which electronic money corresponding to the electronic money payment amount included in the electronic money payment request is moved from the client account to an administrator account of an electronic money issuer based on the electronic money payment request. Here, the electronic money payment amount can be calculated based on market price information of the electronic money at the point of payment and the original payment amount.

Description

SERVER AND A PAYMENT COMPUTING DEVICE FOR PAYMENT AT A STORE BY ELECTRONIC CASH}

The present disclosure relates to an electronic money payment system for electronic money at a branch, and more particularly, to a server and a payment computing device for paying with electronic money at a branch.

Bitcoin was developed in 2009 by Satoshi Nakamoto and is revolutionizing the currency and currency sectors. This is because Bitcoin was the first example of a digital asset that has no collateral or intrinsic value and has no centralized issuer or controller. In addition, interest in blockchain technology as a means of decentralized consensus that enables the decentralization of bitcoin is also increasing rapidly.

Alternative applications using blockchain technology include non-homogeneous, such as colored coins representing user-defined currency and financial products on the blockchain, smart properties representing ownership of physical objects, and domain names. Namecoins for recording assets, more complex forms of smart contracts for managing digital assets by code implementing arbitrary contract rules, and even decentralized autonomous organizations based on blockchain (decentralized autonomous organizations, DAOs).

On the other hand, Ethereum, called the second generation currency, is pursuing a blockchain with a complete Turing-complete programming language. This programming language allows users to write contracts that contain arbitrarary state transition functions in accordance with coded rules. It has

Korean Patent Application Publication No. 10-2016-0009301 discloses a payment agent service of a private key based electronic money and a method therefor, and Korean Patent Publication No. 10-1628007 discloses a digital cryptocurrency having a blockchain between the parties. The trading system is started.

However, the conventional electronic money payment system that uses the electronic money to form a block chain can be traded only when both the seller and the buyer open an electronic wallet. In addition, due to the high price volatility in the nature of electronic money, there is a possibility that the price at the time of sale at a branch and the price at the exchange for settlement are largely different. As a result, there is a problem in the branch that focuses on stable profits are reluctant to pay through electronic money.

Accordingly, there is a demand in the industry for an electronic money payment system that can settle the real money as much as the payment amount from the electronic money issuer so that the payment can be made with electronic money at the branch and there is no risk of exchanging the electronic money at the branch. May exist.

The present disclosure has been made in response to the above-described background, and is to provide a server and a payment computing device for making payments in electronic money at a branch.

Disclosed is a server for paying with electronic money at a branch in accordance with an embodiment of the present disclosure for realizing the above problems. The server receives from the user terminal a user approval for electronic money payment, wherein the user approval includes user identification information for identifying a user and a user account corresponding to the user. A server transceiver for receiving an electronic money payment request for the original payment price calculated by summing price information of at least one product selected from a user from a corresponding payment computing device, and the user account in the user account based on the electronic money payment request; And a server controller configured to generate a transaction for moving the electronic money corresponding to the electronic money payment price included in the electronic money payment request to an administrator account of the electronic money issuer. Quotes of electronic money It can be calculated based on the information and the original payment price.

Alternatively, the electronic money payment request may be a transaction creation request for moving the electronic money corresponding to the electronic money payment price from the user account to the manager account and settlement of the original payment price to the electronic money issuer. And requesting a settlement request, and wherein the server controller additionally stores a real currency corresponding to the original payment price when the electronic money corresponding to the original payment price is moved to the manager account in the user account. The electronic money settlement may be settled by determining to transfer money to a store account.

Alternatively, the server transceiving unit additionally receives an administrator approval for the electronic money payment request from the manager of the branch through the payment computing device, wherein the manager approval includes branch identification information for identifying the branch. The server controller may generate the transaction based on the administrator approval and the user approval.

Alternatively, the user account and the administrator account may include an address generated based on a public key, and the public key may be configured in the form of an externally owned account derived from each private key. Can be.

Alternatively, the server control unit additionally generates a smart contract configured to transmit the electronic money corresponding to the electronic money payment in the user account to the manager account, wherein the smart contract is configured to transmit the electronic money. Distribute to be included in the block chain, and generate a contract account by distributing the smart contract to the blockchain, and the transaction may be generated through the smart contract.

Alternatively, the server controller additionally distributes the transaction to be included in a block included in the blockchain of the electronic money, and parses the blockchain so that at least one of the user account and the administrator account is included. The remaining amount of the electronic money for one can be recorded.

In addition, a payment computing device for making a payment with electronic money at a branch according to another embodiment of the present disclosure is disclosed. The payment computing device includes at least one processor, a memory storing instructions executable by the at least one processor, a network unit communicating with at least one of a server performing a payment through the electronic money and a user terminal, wherein the at least one processor Calculates an original payment price by summing price information of one or more products selected by a user, collects quote information of the electronic money at the time of payment through a preset path, and corresponds to the original payment price based on the quote information; Calculate an electronic money payment amount, and the electronic money payment request—the electronic money payment request includes the electronic account corresponding to the electronic money payment price from the user account of the user; administrator account) And a settlement request for requesting settlement of the original settlement price to the electronic money issuer, and transmitting the electronic money payment request to the server.

In the alternative, the processor additionally receives a user acknowledgment through communication with the user terminal, the user acknowledgment including user identification information for identifying a user and a user account corresponding to the user, The user approval and electronic money payment request may be transmitted to the server.

Alternatively, the processor may additionally generate an output based on the electronic money payment price and branch identification information, or transmit the electronic money payment amount and the branch identification information to the server, and at the server the electronic The output generated based on the currency payment price and the branch identification information may be received.

Alternatively, the processor receives an administrator approval for the electronic money payment request from the manager of the branch, and generates the electronic money payment request based on the manager approval, or sends the manager approval to the server. Can be.

According to an embodiment of the present disclosure, a server and a payment computing device for making a payment in electronic money at a branch may be provided.

Some of the embodiments are shown in the accompanying drawings in order that the above-mentioned features of the present disclosure can be understood in detail and in more detail, with reference to the following embodiments. Also, like reference numerals in the drawings are intended to refer to the same or similar functions in various aspects. It is to be understood, however, that the appended drawings illustrate only certain exemplary embodiments of this disclosure and are not to be considered as limiting the scope of the invention, as other embodiments having the same effect may be fully appreciated. Be careful.
1 is a conceptual diagram illustrating a process of performing electronic money transfer in a blockchain network according to an embodiment of the present disclosure.
2 illustrates an example of a state transition between accounts in the blockchain-based electronic money according to an embodiment of the present disclosure.
3 is a block diagram of a server for paying with electronic money at a branch according to an embodiment of the present disclosure.
4 is a flow chart of a method for making payment with electronic money through a payment computing device at a branch in accordance with one embodiment of the present disclosure.
5 is a schematic diagram of an electronic money payment system according to an embodiment of the present disclosure.
6 is a block diagram illustrating a means for making a payment with electronic money in an electronic money payment system according to an embodiment of the present disclosure.
7 is a block diagram illustrating a module for making a payment with electronic money in an electronic money settlement system according to an embodiment of the present disclosure.
8 is a block diagram illustrating logic for making a payment with electronic money in an electronic money payment system according to an embodiment of the present disclosure.
9 is a block diagram illustrating a circuit for making a payment with electronic money in an electronic money payment system according to an embodiment of the present disclosure.
10 is a block diagram of a computing device according to an embodiment of the present disclosure.

Various embodiments are now described with reference to the drawings, wherein like reference numerals are used to refer to like elements throughout. In the present specification, various descriptions are presented to provide an understanding of the present disclosure. However, it will be apparent that such embodiments may be practiced without these specific details. In other instances, well-known structures and devices are provided in block diagram form in order to facilitate describing the embodiments.

As used herein, the terms “component”, “module”, “system” and the like refer to computer-related entities, hardware, firmware, software, a combination of software and hardware, or the execution of software. For example, a component may be, but is not limited to being, a process running on a processor, a processor, an object, an thread of execution, a program, and / or a computer. For example, both an application running on a computing device and the computing device can be a component. One or more components can reside within a processor and / or thread of execution, and a component can be localized within one computer or distributed between two or more computers. In addition, these components can execute from various computer readable media having various data structures stored thereon. The components may for example be signals having one or more data packets (e.g., data from one component interacting with another component in a local system, distributed system and / or data over a network such as the other system and the internet via signals and May communicate via local and / or remote processes.

As used herein, “an embodiment”, “an example”, “aspect”, “an example” and the like may not be construed as any aspect or design described being better or advantageous than other aspects or designs.

In addition, the term “or” is intended to mean an inclusive “or” rather than an exclusive “or”. That is, unless specified otherwise or unambiguously in context, "X uses A or B" is intended to mean one of the natural implicit substitutions. That is, X uses A; X uses B; Or where X uses both A and B, "X uses A or B" may apply in either of these cases. In addition, the term "and / or" as used herein is to be understood to refer to and include all possible combinations of one or more of the listed related items.

In addition, the terms "comprises" and / or "comprising" mean that such features and / or components are present, but exclude the presence or addition of one or more other features, components, and / or groups thereof. It should be understood that it does not. Also, unless otherwise specified or in the context of indicating a singular form, the singular in the specification and claims should be construed as generally meaning "one or more."

The description of the presented embodiments is provided to enable any person skilled in the art to make or use the present disclosure. Various modifications to these embodiments will be apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the scope of the present disclosure. Thus, the present disclosure should not be limited to the embodiments set forth herein but should be construed in the broadest scope consistent with the principles and novel features set forth herein.

1 is a conceptual diagram of a process in which electronic money transfer is performed in the blockchain network 10 of an embodiment of the present disclosure.

The blockchain network 10 may be composed of a node 30 and a client 40. Here, each node 30 may perform transaction history storage, transaction approval, and distribution agreement. Each node 30 bundles one or more transactions in one block to store transaction details. The block generated at this time is generated at one of the nodes, and can be formally distributed if it passes the proof of work through the blockchain network 10. The generated block (n-th block) may be stored in connection with a block (n-th block n-1) just generated. That is, each block constituting the blockchain 20 may store the transaction details included in the block, and may be shared with all nodes 30 in a connected form in the order of time. In addition, the client 40 may play a role of generating a transaction to be included in a block or checking a transaction history.

Each node 30 illustrated in FIG. 1 may configure the blockchain network 10 by distributing and sharing the blockchain 20 with each other. The client A may generate a transaction for transmitting electronic money to the client B. In addition, client A may share the generated transaction on the blockchain network 10 through one of the entire nodes. In addition, each node 30 may store a transaction by receiving the transaction and including the transaction in a newly generated block.

For example, when the electronic money is Bitcoin, as shown in FIG. 1, Client A may have an Unspent Transaction Output (UTXO) containing 20 bitcoins and Client B may have a UTXO containing 30 bitcoins. Each balance may be stored on an existing block to form a blockchain 20. At this time, the client A may generate a transaction to transfer 10 bitcoins to B. The client A may then sign the transaction with the secret key and send it to the node 30. In addition, the node 30 receiving the transaction may share the transaction on the blockchain network 10. Accordingly, each node 30 may select some of the shared transactions and store them on the block to generate the next block. In this process, the transaction is reflected, and a new UTXO containing 10 bitcoins may be issued to Client A, and a new UTXO containing 40 Bitcoins may be issued to Client B. The node 30 may then distribute the generated block to all the nodes 30 on the blockchain network 10 again. Further, each node 30 may check the validity of the next block based on the previous block, and connect the valid block after the previous block to complete the transaction for the transfer. Detailed description of the above-described electronic money transfer process is only an example, and the present disclosure is not limited thereto. In addition, the electronic money of the present disclosure is not limited to bitcoin, and may include any kind of electronic money.

2 illustrates an example of a state transition between accounts in a blockchain-based electronic money.

Electronic money may have different basic units of state variation depending on the type. In the case of Bitcoin described with reference to FIG. 1, a bitcoin stored as a basic unit may be a wallet having each address of UTXO. In addition, each unused UTXO is validated as an input of a transaction, a new UTXO is issued, and the previous UTXO may disappear.

In another example, in the case of Ethereum, a data storage space having an address of a non-overlapping identifier called account may be used as a basic unit. An account can store data such as balances, transactions, and smart contracts. In the following text, the present disclosure will be described in terms of accounts, but this is only a selection of terms for better understanding and does not limit the electronic money of the present disclosure to Ethereum.

For example, as shown in FIG. 2, states for four accounts may be recorded in an initial state. More specifically, in the initial state, 1024 Ethereum is stored in the account "14c5f8ba", 5202 Ethereum is stored in the account "bb75a980", 0 Ethereum is stored in the account "892bf92f", 77 in the account "4096ad65" It may be recorded that Ethereum is stored. And, a transaction may be generated in which account "14c5f88a" sends 10 Ethereum of account "bb75a980". In this case, the account "14c5f88a" which is a party to the transaction may change the balance of Ethereum to 1014, and the account "bb75a980" may be recorded in the changed state (State ') with the balance of Ethereum changed to 5212. In addition, it may be recorded that the account "bb75a980" stores [0, 235235], 0, ALICE,?] As a data value in an initial state. The transaction may include a code for changing the value of Data 2 to "CHARLIE". Accordingly, the data value of the account "bb75a980" may be changed to [0, 235235, CHARLIE, ALICE,?] To be recorded in the changed state 'State'. Detailed descriptions of the accounts and transactions described above are exemplary only, and the present disclosure is not limited thereto.

Accordingly, the basic units of the state transition in the blockchain network 10 may be different according to the type of electronic money, and the concept of an account capable of storing data as well as storing electronic money has been described.

3 is a block diagram of a server for paying with electronic money at a branch according to an embodiment of the present disclosure.

According to an embodiment of the present disclosure, the server 100 may use the electronic money to perform payment between the seller and the buyer in the payment process of electronic money, such as a server of an issuer, a server of a payment agency (VAN), or a server of a card company. It may be a server of.

In addition, the server 100 according to the exemplary embodiment of the present disclosure may include a server transceiver 110 and a server controller 130.

The server transceiver 110 according to an embodiment of the present disclosure may receive a user approval for electronic money payment from the user terminal 300. The electronic computing payment request for the original payment price calculated by summing price information about one or more products selected by the user may be received from the payment computing device 200 corresponding to the branch.

More specifically, the server transceiver 110 may receive a user approval for electronic money payment from the user terminal 300. In this case, the user approval may include user identification information for identifying a user and a user account corresponding to the user. The user identification information may include at least one of an ID for identifying a user, a PIN number, a number of the user terminal 300, and biometric information of the user. The user account may include at least one of a public key and a private key of an account owned by the corresponding user. Accordingly, when the server transceiver 110 receives the user identification information and the user account from the user terminal 300, the server controller 130 may determine that the user has approved the electronic money payment.

In addition, the server transceiver 110 may receive an electronic money payment request for the original payment price from the payment computing device 200. Here, the original payment price may be calculated by summing price information about one or more products selected by a user from a product sold at a branch. In addition, the electronic money payment price may be calculated based on the price information and the original payment price that varies depending on the type and payment time of the electronic money. That is, the electronic money payment request may be a request to perform payment instead of the electronic money payment corresponding to the original payment for the original payment price calculated on the basis of real money.

In addition, the electronic money payment request according to an embodiment of the present disclosure may include a transaction generation request and a settlement request. Herein, the transaction generation request may be a request for moving the electronic money corresponding to the electronic money payment price from the user account 301 to the manager account 101. The settlement request may be a request for the electronic money issuer to settle the electronic money payment through real money corresponding to the original payment price. Detailed description thereof will be described later with reference to FIG. 5.

The server transceiver 110 according to the exemplary embodiment of the present disclosure may additionally receive an administrator approval for the electronic money payment request from the manager of the branch through the payment computing device 200. Herein, the manager approval may include branch identification information for identifying the branch. More specifically, the payment computing device 200 may include a merchant number, coordinates, ID, PIN number, terminal number of the payment computing device 200, biometric information of the manager, and a branch account 201 of the branch for identifying the branch. It may include at least one. Accordingly, the server controller 130, when the server transceiver 110 receives the user approval from the user terminal 300, and receives the administrator approval from the payment computing device 200, the user and the manager pays the electronic money It can be judged that they have approved.

The server transceiver 110 according to another embodiment of the present disclosure may transmit the output generated based on the electronic money payment price and the branch identification information to the payment computing device 200. More specifically, the server transceiver 110 may receive the electronic money payment price and shop identification information from the payment computing device 200. The server controller 130 may generate an output based on the electronic money settlement price and the branch identification information. In addition, the server transceiver 110 may transmit the output to the payment computing device 200 of the branch. Detailed description thereof will be described later with reference to FIG. 5.

The server control unit 130 according to an embodiment of the present disclosure electronic money corresponding to the electronic money payment price included in the electronic money payment request in the user account (client account) (301) based on the electronic money payment request A transaction may be created that moves to the issuer's administrator account 101. The transaction here may be a signed data package that holds a message to be sent by an externally owned account. And, the transaction can identify the message destination, the sender, which is the signature, the amount of electronic money the sender sends to the destination, the optional data field, the maximum number of calculation steps allowed to execute the transaction and the fee paid by the sender for each calculation step. It may include at least one item.

In addition, the user account 301 and the administrator account 101 according to an embodiment of the present disclosure includes an address generated based on the public key, the public key is derived from each private key generated externally owned account It can be configured in the form of an externally owned account. Accordingly, the server controller 130 may generate a state transition of the electronic money corresponding to the electronic money payment price, based on the public keys of the user account 301 and the administrator account 101.

The server controller 130 according to an embodiment of the present disclosure may generate a transaction based on the administrator approval and the user approval. More specifically, the server transceiver 110 may receive an administrator approval for electronic money payment from the manager of the branch through the payment computing device 200. In addition, the server transceiver 110 may receive a user approval for electronic money payment from the user through the user terminal 300. In addition, when both the administrator approval and the user approval are received, the server controller 130 may determine that the electronic money settlement is valid and generate a transaction between the user account and the administrator account.

In addition, the server controller 130 according to an embodiment of the present disclosure may additionally generate a smart contract configured to transmit the electronic money corresponding to the electronic money payment price to the manager account in the user account. Here, smart contracts may refer to computer protocols for establishing, verifying and fulfilling specific contracts by themselves. And, the smart contract may be configured to create a new smart contract, execute a function on a specific smart contract, or transmit electronic money according to the terms and execution of the contract.

Accordingly, the server controller 130 may generate a smart contract including a condition for receiving a user approval and an electronic money payment request and a contract content for transmitting the electronic money corresponding to the electronic money payment price from the user account to the administrator account. Can be.

The server controller 130 may distribute the smart contract to be included in a block chain of electronic money. More specifically, the server controller 130 may share the smart contract generated in each node constituting the blockchain network of the electronic money. Here, smart contracts exist in a shared pool, and each node may be waiting to be selected in the process of creating a block.

In the process, when one node of the blockchain network generates and distributes a block including the smart contract, each node may verify the validity of the corresponding block. In addition, a contract account may be generated by distributing the smart contract on the blockchain. Accordingly, when the user approval and electronic money payment request is received through the generated contract account, the server controller 130 may access a smart contract that can operate the electronic money transfer from the user account to the administrator account. The server controller 130 may generate a transaction for moving the electronic money corresponding to the electronic money payment price included in the electronic money payment request from the user account to the manager account of the electronic money issuer through the smart contract.

According to an embodiment of the present disclosure, the server controller 130 may additionally store a physical currency corresponding to the original payment price when the electronic money corresponding to the original payment price is moved to the manager account from a user account. You can settle your electronic money payment by deciding to remit money.

More specifically, the server transceiver 110 may receive an electronic money payment request including a settlement request for electronic money payment from the payment computing device 200. Here, the settlement request may include a request to pay the original settlement price corresponding to the electronic money settlement price to the branch in real currency. And, according to an embodiment, the settlement request may be received for each electronic money settlement. In addition, when it is confirmed that the electronic money settlement price has been transmitted from the user account to the administrator account, the server controller 130 converts the original settlement price corresponding to the electronic money settlement amount into real currency (eg, won, dollar, gold, etc.). You can decide to transfer to the branch account that corresponds to the branch. The branch account may be account information of the bank, and may be stored in a database in advance or received from the payment computing device 200.

In addition, the server controller 130 may distribute the transaction to be included in a block included in the blockchain of electronic money. The server controller 130 may parse the blockchain to record the remaining amount of electronic money for at least one of a user account and an administrator account.

More specifically, the server controller 130 may determine to share the generated transaction to each node constituting the blockchain network of the electronic money. Transactions are here in a shared pool, where each node can be queued for selection during the block creation process. When the transaction is selected by one node of the blockchain network in the waiting process and included in the block, the block may be distributed to each node to verify the validity of the block.

In addition, the server controller 130 may parse the blockchain and record the remaining amount of electronic money for the user account and the manager account. Analyze the blockchain of the electronic currency from bottom-up (from the first genesis block to the most recent block) or top-down (from the most recent block to the first genesis block) Collect currency fluctuations. The server controller 130 may store the remaining amount of electronic money included in the user account and the manager account in a database (not shown) of the server. When the server controller 130 receives a request for checking the balance from the user terminal 300 or the payment computing device 200, the server controller 130 displays the remaining amount of each electronic money stored in a database (not shown). And the payment computing device 200. That is, since the movement amount of electronic money between accounts is recorded in the blockchain block in the blockchain network, the server controller 130 may calculate the current electronic money balance by parsing the movement amount of the electronic money recorded in the blockchain. In an embodiment of the present disclosure, the server 100 may record the movement amount of electronic money through the blockchain network in the blockchain network, and additionally manage the electronic money balance of each account. In another embodiment of the present disclosure, the server 100 may process the payment to the user's branch more quickly than the method through block generation of the blockchain network by modifying the balance of each account. The payment system according to an embodiment of the present disclosure provides payment to a branch using electronic money, and blocks the block by using an internal processing method as block generation of a blockchain network and updating a database stored in a server (that is, updating a balance of accounts). It can provide high reliability and validation function of chain network, and can provide faster payment.

Accordingly, when the server 100 according to an embodiment of the present disclosure inquires the balances for the administrator account 101 and the user account 301, the server 100 does not need to parse all of the blockchain 20 directly in the database. By querying, the processing speed can be improved. In addition, when the user determines whether to make a payment based on the balance as the processing speed increases, the decision may be facilitated.

4 is a flow chart of a method for making a payment with electronic money through a payment computing device 200 at a branch in accordance with one embodiment of the present disclosure.

Electronic money payment according to an embodiment of the present disclosure may be performed by the payment computing device 200. The payment computing device 200 may include at least one processor, a memory storing instructions executable by the at least one processor, and a network unit communicating with at least one of the server 100 and the user terminal 300 performing payment through electronic money. It may include. Hereinafter, an order in which the payment computing device 200 performs electronic money payment will be described in detail.

The payment computing device 200 according to an embodiment of the present disclosure may calculate the original payment price 401 by summing price information of one or more products selected by the user. Here, the payment computing device 200 may store price information on goods and services (eg, furniture of furniture stores, shopping products of an Internet shopping mall, etc.) that are sold at a store in a memory. In addition, the payment computing device 200 may receive a selection of one or more goods and services to be purchased from the user. Accordingly, the payment computing device 200 may calculate the original payment price by summing price information of one or more selected products. And, according to an embodiment, the payment computing device 200 may receive the original payment amount from the manager of the branch.

The payment computing device 200 according to an embodiment of the present disclosure may collect 402 the price information of the electronic money at the time of payment through a preset path. More specifically, the payment computing device 200 may access a preset Internet address through the network unit. Here, the preset internet address may be a site (eg, https://coinmarketcap.com/en) for checking real-time quote information of electronic money. In addition, the preset Internet address may be set differently according to the type of electronic money. In addition, the payment computing device 200 may collect the price information by crawling the price information of the electronic money at the preset Internet address. In this case, the payment computing device 200 may crawl at the predetermined internet address at the time when the original payment price is calculated, when the input of the price information is received from the manager of the branch, or at predetermined time intervals. In this way, it is possible to minimize the effect of the payment behavior using the electronic money on the market price of the electronic money rather than the processing of generating the selling order of the electronic money to the electronic money exchange.

In addition, the payment computing device 200 according to another embodiment may request the price information of the electronic money from the server 100. In addition, the server 100 may collect quote information in real time from a preset Internet address. When the server 100 receives the request for the quote information from the payment computing device 200, the server 100 may transmit the price information corresponding to the time point at which the request is received to the payment computing device 200.

Accordingly, the payment computing device 200 according to an embodiment of the present disclosure may reflect the converted value of electronic money and real money that change in real time in the payment. In addition, you can set the address to crawl for each type of electronic money, and the publisher of electronic money can use the quoted price to secure the reliability of electronic money payment.

The payment computing device 200 according to an embodiment of the present disclosure may calculate an electronic money payment price corresponding to the original payment price 403 based on the price information. The payment computing device 200 may calculate the electronic money payment price based on the original payment price calculated in the above-described steps and the price information of the collected electronic money. Here, the battery money payment price is a quantity of electronic money corresponding to the original payment price, and may be a payment price for the user to purchase a product.

For example, when the payment computing device 200 receives a purchase selection for two men's tailored suits from the user, the payment information of KRW 250,000 and KRW 350,000 may be added to calculate the KRW 600,000 payment. In addition, the payment computing device 200 may crawl the price information at the time of calculating the original payment price for each electronic money by accessing a preset coin market cap https://coinmarketcap.com/en. In this case, when the price information is 1 bitcoin = 6,000,000 won, the payment computing device 200 may calculate 0.1 bitcoin as the electronic money settlement price in order to perform payment for the won settlement price of 600,000 won. In addition, when the payment computing device 200 collects the price information of 1 Ethereum = 600,000 won, the payment computing device 200 may calculate 1 Ethereum as the electronic money settlement price in order to perform the payment for the original settlement price. The above description of numerical values for the original payment price and the electronic payment price is only an example, and the present disclosure is not limited thereto.

Accordingly, the payment computing device 200 according to an embodiment of the present disclosure provides a rational ratio corresponding to the original payment price when a user having various electronic money makes a payment or performs a complex payment through a plurality of electronic money. Electronic payments can be calculated quickly.

The payment computing device 200 according to an embodiment of the present disclosure may generate an electronic money payment request (404). Here, the electronic money payment request is a transaction creation request for moving the electronic money corresponding to the electronic money payment price from the user's user account 301 to the administrator's account 101 of the electronic money issuer and the original payment price to the electronic money issuer. It may include a settlement request for requesting settlement.

More specifically, when the electronic money payment is approved, the payment computing device 200 generates a transaction for changing the electronic money corresponding to the electronic money payment price from the user account 301 to the administrator account 101. 100). That is, the payment computing device 200 checks the transaction of the transaction through the transaction creation request, and checks that the payment is approved by the server 100 and changes in electronic money included in the user account 301 and the administrator account 101, respectively. Can be distributed to

In addition, when the electronic money payment is approved, the payment computing device 200 may request the electronic money issuer to remit the original payment price to the branch account 201. In addition, the electronic money issuer may verify that the transaction for the electronic money payment is distributed on the blockchain network 10 and that the block is valid. If the electronic money issuer determines that the electronic money payment is valid, the electronic money issuer may directly transfer the original payment price to the branch account 201. Here, the branch account 201 may be a manager or a bank account in the name of the branch, and may be stored in advance in the memory for each branch.

Accordingly, the branch may not worry about the price volatility of the electronic money because it does not need to exchange money through the exchange even if the sales are made in electronic money. In addition, since the sales payment is directly transferred from the electronic money generating company, the reliability of the branches for the electronic money settlement can be improved.

In addition, the payment computing device 200 according to an embodiment of the present disclosure may further receive a user approval for electronic money payment through communication with the user terminal 300. In addition, the payment computing device 200 may further receive a manager approval for electronic money payment from the manager of the branch. Detailed description thereof will be described later with reference to FIG. 5.

The payment computing device 200 according to an embodiment of the present disclosure may transmit 405 the electronic money payment request to the server 100. More specifically, the payment computing device 200 may transmit the electronic money payment request including the transaction generation request and the settlement request to the server 100 through the network unit. In addition, according to an embodiment, the payment computing device 200 may further transmit an administrator approval or a user approval.

5 is a schematic diagram of an electronic money payment system 1000 according to an embodiment of the present disclosure.

Electronic money payment system 1000 according to an embodiment of the present disclosure is composed of the server 100, the user terminal 300 and the payment computing device 200, the electronic money payment is to be performed through the mutual communication between the components Can be. The numbers shown in FIG. 5 represent communication between components rather than the order of payment operations and are notations for detailed description.

More specifically, the payment computing device 200 according to the first embodiment of the present disclosure may transmit (2) the electronic money payment price and the branch identification information to the server 100. Here, the electronic money settlement price may be calculated based on the price information and the original payment price that varies according to the type and payment time of the electronic money. In addition, the shop identification information may include at least one of an affiliate store number, coordinates, ID, PIN number, terminal number of the payment computing device 200, biometric information of the manager, and the branch account 201 of the branch to identify the branch. Can be.

The server 100 may generate an output based on the electronic money settlement price and the branch identification information received from the payment computing device 200. Here, the output may be configured in at least one of QR code, NFC tag, Zigbee tag, barcode and serial number. In addition, the server 100 may transmit 5 the generated output to the payment computing device 200.

The payment computing device 200 may determine to display 6 the output to the user through a display (not shown). Accordingly, the payment computing device 200 may display the output to the user through an output device such as a connected monitor.

In addition, the payment computing device 200 may transmit the electronic money payment request to the server 100. Here, the electronic money payment request is a transaction creation request for moving the electronic money corresponding to the electronic money payment price from the user's user account 301 to the administrator's account 101 of the electronic money issuer and the original payment price to the electronic money issuer. It may include a settlement request for requesting settlement. In addition, the electronic money payment request may be generated in the payment computing device 200.

In addition, the user terminal 300 may receive a user approval for electronic money payment from the user. More specifically, the user terminal 300 includes a user including user identification information and a user account through at least one of an operation of executing a preset application or recognizing through an output controlled to display the payment computing device 200. You can create an approval. In addition, the user terminal 300 may transmit (1) the user approval to the server 100.

Accordingly, the server 100 may generate and settle a transaction for electronic money payment based on the user approval received from the user terminal 300 and the electronic money payment request received from the payment computing device 200. An operation description of the transaction generation and settlement of the server 100 is omitted since it has been described above with reference to FIG. 3.

In addition, the payment computing device 200 according to the second embodiment of the present disclosure may generate an output based on the electronic money payment price and the branch identification information. In addition, according to the embodiment, as in the first embodiment, the output may be received through communication with the server 100. In addition, the payment computing device 200 may determine to display the output 6 to the user through a display (not shown). Accordingly, the payment computing device 200 may display the output 6 to the user through an output device such as a connected monitor.

In addition, the user terminal 300 may receive a user approval for electronic money payment from the user. More specifically, the user terminal 300 includes a user including user identification information and a user account through at least one of an operation of executing a preset application or recognizing through an output controlled to display the payment computing device 200. You can create an approval. In addition, the user terminal 300 may transmit (1) the user approval to the server 100.

In addition, the payment computing device 200 may transmit (2) the electronic money payment request and the user approval to the server 100. Here, the electronic money payment request is a transaction creation request for moving the electronic money corresponding to the electronic money payment price from the user's user account 301 to the administrator's account 101 of the electronic money issuer and the original payment price to the electronic money issuer. It may include a settlement request for requesting settlement. In addition, the electronic money payment request may be generated in the payment computing device 200.

Accordingly, the server 100 may generate and settle a transaction for electronic money payment based on a user approval and an electronic money payment request received from the payment computing device 200. An operation description of the transaction generation and settlement of the server 100 is omitted since it has been described above with reference to FIG. 3. The detailed description of the electronic money payment system 1000 according to the first and second embodiments of the present disclosure is merely an example, and the present disclosure is not limited thereto. The electronic money payment system 1000 according to the present disclosure may be performed in various aspects through communication between the server 100, the payment computing device 200, and the user terminal 300.

In addition, the payment computing device 200 may receive an administrator approval for the electronic money payment request from the manager of the branch. In addition, the payment computing device 200 may generate an electronic money payment request based on the manager approval, or transmit (2) the manager approval to the server 100. In addition, the server 100 may determine that the electronic money payment has been approved only when all the user approval, administrator approval, and electronic money payment request are received. Alternatively, the server 100 may determine that the electronic money payment is approved only when the user approval and the electronic money payment request are received and the electronic money payment request is generated by the administrator approval.

Accordingly, the payment computing device 200 according to an embodiment of the present disclosure leaves the final approval authority for the electronic money payment to the manager of the branch, thereby making a payment that may be performed when the output is inadvertently recognized by the customer. It can prevent.

6 is a block diagram illustrating a means for making a payment with electronic money in the electronic money settlement system 1000 according to an embodiment of the present disclosure.

According to an embodiment of the present disclosure, a processor of a payment computing device for making a payment in electronic money at a branch may include means 601 for calculating the original payment price by adding price information of at least one product selected from a user, and a preset path. Means for collecting the price information of the electronic money at the time of payment through 602, a means for calculating the electronic money payment corresponding to the original payment price based on the price information 603, the electronic money payment request The electronic money payment request is a transaction creation request and the electronic to move the electronic money corresponding to the electronic money payment price from a user account of the user to an administrator account of the electronic money issuer; Settlement request requesting settlement of the original payment amount to the currency issuer Also it includes - means (604) for generating, and may include means 605 for transmitting the electronic money payment request to the server.

In the alternative, the processor additionally receives a user acknowledgment through communication with the user terminal, the user acknowledgment including user identification information for identifying a user and a user account corresponding to the user, And means for transmitting the user approval and electronic money payment request to the server.

Alternatively, the processor may additionally generate an output based on the electronic money payment price and branch identification information, or send the electronic money payment amount and the branch identification information to the server, and at the server the electronic money. The apparatus may further include means for receiving the output generated based on the payment price and the branch identification information.

Alternatively, the processor is configured to receive an administrator approval for the electronic money payment request from the manager of the branch, and generate the electronic money payment request based on the manager approval, or issue the administrator approval to the server. The method may further include means for transmitting to.

7 is a block diagram illustrating a module for making a payment with electronic money in the electronic money settlement system 1000 according to an embodiment of the present disclosure.

According to an embodiment of the present disclosure, a method for making a payment with electronic money in the electronic money settlement system 1000 may be implemented by the following module.

According to an embodiment of the present disclosure, a processor of a payment computing device for paying with electronic money at a branch may include: a module 701 for calculating the original payment price by adding price information of at least one product selected from a user, and a preset path A module 702 for collecting quote information of the electronic money at the time of payment, a module 703 for calculating an electronic money payment corresponding to the original payment price based on the quote information, and an electronic money payment request The electronic money payment request is a transaction creation request and the electronic to move the electronic money corresponding to the electronic money payment price from a user account of the user to an administrator account of the electronic money issuer; Settlement request requesting settlement of the above payment amount to the currency issuer Also it includes - a module (704) for generating, and can include a module 705 for transmitting the electronic money payment request to the server.

8 is a block diagram illustrating logic for making a payment with electronic money in the electronic money settlement system 1000 according to an embodiment of the present disclosure.

According to an embodiment of the present disclosure, a method for making a payment with electronic money in the electronic money settlement system 1000 may be implemented by the following logic.

According to an embodiment of the present disclosure, the processor of the payment computing device for making payments in electronic money at a branch may include logic 801 for calculating the original payment price by adding price information of at least one product selected from a user, and a preset path. Logic 802 for collecting the quote information of the electronic money at the time of payment through, Logic 803 for calculating the electronic money payment corresponding to the original payment price based on the quote information, Electronic money payment request The electronic money payment request is a transaction creation request and the electronic to move the electronic money corresponding to the electronic money payment price from a user account of the user to an administrator account of the electronic money issuer; Settlement request requesting settlement of the above payment amount to the currency issuer Also it includes - a logic (804) for generating, and may include logic (805) for transmitting the electronic money payment request to the server.

9 is a block diagram illustrating a circuit for making a payment with electronic money in the electronic money settlement system 1000 according to an embodiment of the present disclosure.

According to an embodiment of the present disclosure, a method for making a payment with electronic money in the electronic money settlement system 1000 may be implemented by the following circuit.

According to an embodiment of the present disclosure, a processor of a payment computing device for making a payment in electronic money at a branch may include a circuit 901 for calculating original payment price by adding price information of one or more items selected by a user, and a predetermined path. A circuit 902 for collecting quote information of the electronic money at the time of payment, a circuit 903 for calculating an electronic money payment corresponding to the original payment price based on the quote information, and an electronic money payment request The electronic money payment request is a transaction creation request and the electronic to move the electronic money corresponding to the electronic money payment price from a user account of the user to an administrator account of the electronic money issuer; Settlement request requesting settlement of the above payment amount to the currency issuer Also it includes - a circuit (904) for generating, and may include a circuit 905 for transmitting the electronic money payment request to the server.

Those skilled in the art will further appreciate that the various illustrative logical blocks, configurations, modules, circuits, means, logics, and algorithm steps described in connection with the embodiments disclosed herein may be electronic hardware, computer software, or a combination of both. It should be appreciated that it can be implemented with To clearly illustrate the interchangeability of hardware and software, various illustrative components, blocks, configurations, means, logics, modules, circuits, and steps have been described above generally in terms of their functionality. Whether such functionality is implemented in hardware or as software depends on the particular application and design constraints imposed on the overall system. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present disclosure.

10 shows a brief general schematic of an exemplary computing environment in which embodiments of the present disclosure may be implemented.

Although the present disclosure has been described above generally with respect to computer executable instructions that may be executed on one or more computers, those skilled in the art will appreciate that the present disclosure may be implemented in combination with other program modules and / or as a combination of hardware and software. will be.

Generally, program modules include routines, programs, components, data structures, etc. that perform particular tasks or implement particular abstract data types. In addition, those skilled in the art will appreciate that the methods of the present disclosure may include uniprocessor or multiprocessor computer systems, minicomputers, mainframe computers, as well as personal computers, handheld computing devices, microprocessor-based or programmable consumer electronics, and the like (each of which And other computer system configurations, including one or more associated devices.

The described embodiments of the present disclosure can also be practiced in distributed computing environments where certain tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote memory storage devices.

Computers typically include a variety of computer readable media. Any medium that can be accessed by a computer can be a computer readable medium, which can be volatile and nonvolatile media, transitory and non-transitory media, removable and non-transitory media. Removable media. By way of example, and not limitation, computer readable media may comprise computer readable storage media and computer readable transmission media. Computer-readable storage media are volatile and nonvolatile media, temporary and non-transitory media, removable and non-removable implemented in any method or technology for storing information such as computer readable instructions, data structures, program modules or other data. Media. Computer storage media may include RAM, ROM, EEPROM, flash memory or other memory technology, CD-ROMs, digital video disks or other optical disk storage devices, magnetic cassettes, magnetic tapes, magnetic disk storage devices or other magnetic storage devices, Or any other medium that can be accessed by a computer and used to store desired information.

Computer-readable transmission media typically embody computer readable instructions, data structures, program modules or other data in a modulated data signal, such as a carrier wave or other transport mechanism, and the like. Includes all information delivery media. The term modulated data signal refers to a signal that has one or more of its characteristics set or changed to encode information in the signal. By way of example, and not limitation, computer readable transmission media includes wired media such as a wired network or direct-wired connection, and wireless media such as acoustic, RF, infrared, or other wireless media. Combinations of any of the above should also be included within the scope of computer readable transmission media.

An exemplary environment 1100 is illustrated that implements various aspects of the present disclosure, including a computer 1102, which includes a processing unit 1104, a system memory 1106, and a system bus 1108. do. System bus 1108 connects system components, including but not limited to system memory 1106, to processing unit 1104. Processing unit 1104 may be any of a variety of commercially available processors. Dual processor and other multiprocessor architectures may also be used as the processing unit 1104.

The system bus 1108 may be any of several types of bus structures that may be further interconnected to a memory bus, a peripheral bus, and a local bus using any of a variety of commercial bus architectures. System memory 1106 includes read only memory (ROM) 1110 and random access memory (RAM) 1112. The basic input / output system (BIOS) is stored in nonvolatile memory 1110, such as ROM, EPROM, EEPROM, etc., and the BIOS provides a basic aid for transferring information between components in the computer 1102, such as during startup. Contains routines. RAM 1112 may also include fast RAM, such as static RAM, for caching data.

Computer 1102 also includes an internal hard disk drive (HDD) 1114 (eg, EIDE, SATA) —this internal hard disk drive 1114 may also be configured for external use within a suitable chassis (not shown). Yes—magnetic floppy disk drive (FDD) 1116 (eg, for reading from or writing to removable diskette 1118), and optical disk drive 1120 (eg, CD-ROM Disc 1122 for reading from or writing to or writing from other high capacity optical media such as DVD). The hard disk drive 1114, the magnetic disk drive 1116, and the optical disk drive 1120 are connected to the system bus 1108 by the hard disk drive interface 1124, the magnetic disk drive interface 1126, and the optical drive interface 1128, respectively. ) Can be connected. Interface 1124 for external drive implementation includes at least one or both of Universal Serial Bus (USB) and IEEE 1394 interface technologies.

These drives and their associated computer readable media provide nonvolatile storage of data, data structures, computer executable instructions, and the like. In the case of computer 1102, drives and media correspond to storing any data in a suitable digital format. Although the description of computer readable media above refers to HDDs, removable magnetic disks, and removable optical media such as CDs or DVDs, those skilled in the art will appreciate zip drives, magnetic cassettes, flash memory cards, cartridges, and the like. Other types of media readable by the computer, etc. may also be used in the exemplary operating environment and it will be appreciated that any such media may include computer executable instructions for performing the methods of the present disclosure.

Multiple program modules may be stored in the drive and RAM 1112, including operating system 1130, one or more application programs 1132, other program modules 1134, and program data 1136. All or a portion of the operating system, applications, modules and / or data may also be cached in RAM 1112. It will be appreciated that the present disclosure may be implemented in various commercially available operating systems or combinations of operating systems.

A user may enter commands and information into the computer 1102 through one or more wired / wireless input devices, such as a keyboard 1138 and a mouse 1140. Other input devices (not shown) may include a microphone, IR remote control, joystick, game pad, stylus pen, touch screen, and the like. These and other input devices are often connected to the processing unit 1104 through an input device interface 1142 that is connected to the system bus 1108, but the parallel port, IEEE 1394 serial port, game port, USB port, IR interface, Etc. can be connected by other interfaces.

A monitor 1144 or other type of display device is also connected to the system bus 1108 via an interface such as a video adapter 1146. In addition to the monitor 1144, the computer generally includes other peripheral output devices (not shown) such as speakers, printers, and the like.

Computer 1102 may operate in a networked environment using logical connections to one or more remote computers, such as remote computer (s) 1148, via wired and / or wireless communications. Remote computer (s) 1148 can be a workstation, computing device computer, router, personal computer, portable computer, microprocessor-based entertainment device, peer device, or other conventional network node, and typically is associated with computer 1102. Although many or all of the components described above are included, for simplicity, only memory storage 1150 is shown. The logical connections shown include wired / wireless connections to a local area network (LAN) 1152 and / or a larger network, such as a telecommunications network (WAN) 1154. Such LAN and WAN networking environments are commonplace in offices and businesses, facilitating enterprise-wide computer networks such as intranets, all of which may be connected to worldwide computer networks, such as the Internet.

When used in a LAN networking environment, the computer 1102 is connected to the local network 1152 via a wired and / or wireless communication network interface or adapter 1156. Adapter 1156 may facilitate wired or wireless communication to LAN 1152, which also includes a wireless access point installed therein for communicating with wireless adapter 1156. When used in a WAN networking environment, the computer 1102 may include a modem 1158, connect to a communications computing device on the WAN 1154, or establish communications over the WAN 1154, such as over the Internet. Other means. The modem 1158, which may be an internal or external and wired or wireless device, is connected to the system bus 1108 via the serial port interface 1142. In a networked environment, program modules or portions thereof described with respect to computer 1102 may be stored in remote memory / storage device 1150. It will be appreciated that the network connections shown are exemplary and other means of establishing a communications link between the computers can be used.

Computer 1102 is associated with any wireless device or entity disposed and operating in wireless communication, such as a printer, scanner, desktop and / or portable computer, portable data assistant, communications satellite, wireless detectable tag. Communicate with any equipment or location and telephone. This includes at least Wi-Fi and Bluetooth wireless technology. Thus, the communication can be a predefined structure as in a conventional network or simply an ad hoc communication between at least two devices.

Wireless Fidelity (Wi-Fi) allows you to connect to the Internet without wires. Wi-Fi is a wireless technology such as a cell phone that allows a device, for example, a computer, to transmit and receive data indoors and outdoors, ie anywhere within the coverage area of a base station. Wi-Fi networks use a wireless technology called IEEE 802.11 (a, b, g, etc.) to provide secure, reliable, high-speed wireless connections. Wi-Fi may be used to connect computers to each other, to the Internet, and to a wired network (using IEEE 802.3 or Ethernet). Wi-Fi networks can operate in unlicensed 2.4 and 5 GHz wireless bands, for example, at 11 Mbps (802.11a) or 54 Mbps (802.11b) data rates, or in products that include both bands (dual band). have.

Those skilled in the art will appreciate that information and signals may be represented using any of a variety of different technologies and techniques. For example, data, instructions, instructions, information, signals, bits, symbols, and chips that may be referenced in the above description may include voltages, currents, electromagnetic waves, magnetic fields or particles, optical fields. Or particles, or any combination thereof.

One of ordinary skill in the art of the disclosure will appreciate that the various illustrative logical blocks, modules, processors, means, circuits and algorithm steps described in connection with the embodiments disclosed herein may be implemented in electronic hardware, It will be appreciated that for purposes of the present invention, various forms of program or design code, or combinations thereof, may be implemented. To clearly illustrate this interchangeability of hardware and software, various illustrative components, blocks, modules, circuits, and steps have been described above generally in terms of their functionality. Whether such functionality is implemented as hardware or software depends on the particular application and design constraints imposed on the overall system. One skilled in the art of the present disclosure may implement the described functionality in various ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present disclosure.

The various embodiments presented herein may be embodied in a method, apparatus, or article of manufacture using standard programming and / or engineering techniques. The term "article of manufacture" includes a computer program, carrier, or media accessible from any computer-readable device. Here, the medium may include a storage medium and a transmission medium. For example, computer-readable storage media may include magnetic storage devices (eg, hard disks, floppy disks, magnetic strips, etc.), optical disks (eg, CDs, DVDs, etc.), smart cards, and flashes. Memory devices (eg, EEPROM, cards, sticks, key drives, etc.), but are not limited to these. In addition, various storage media presented herein include one or more devices and / or other machine-readable media for storing information. In addition, transmission media include, but are not limited to, wireless channels and various other media capable of conveying command (s) and / or data.

It is to be understood that the specific order or hierarchy of steps in the processes presented is an example of exemplary approaches. Based upon design priorities, it is understood that the specific order or hierarchy of steps in the processes may be rearranged within the scope of the present disclosure. The accompanying method claims present elements of the various steps in a sample order, but are not meant to be limited to the specific order or hierarchy presented.

The description of the presented embodiments is provided to enable any person skilled in the art to make or use the present disclosure. Various modifications to these embodiments will be apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the scope of the present disclosure. Thus, the present disclosure should not be limited to the embodiments set forth herein but should be construed in the broadest scope consistent with the principles and novel features set forth herein.

Claims (1)

Server for payment in electronic money at the branch.

Images