KR20200021765A - Payment method and system using crypto currency - Google Patents

Abstract

The present invention relates to a payment method using a virtual currency and a system thereof. According to an embodiment, the payment method is a virtual currency payment method using a user terminal, and comprises the following steps: recognizing identification information, which is displayed on an identification information display medium of a store, by means of a recognition module of a user terminal; receiving payment information, of which the payment is to be made by the user, by means of a service application running on the user terminal; confirming the types of a user-side payment currency to be paid by the user and a store-side payment currency to be received by the store, on the basis of the identification information and payment information; a transaction generation step of requesting a virtual currency wallet owned by the user to generate a transaction, wherein the virtual currency wallet generates a transaction in accordance with a predefined method on the basis of the types of payment currencies which have been confirmed in the confirming step; receiving the generated transaction from the virtual currency wallet; and requesting a payment by transmitting the transaction to a recipient account address when the types of payment currencies are the same virtual currencies, and transmitting the transaction to a payment server when the types of payment currencies are different virtual currencies or legal tenders. According to the present invention, a user is able to use different types of virtual currencies, and thus, usage convenience can be maximized.

Description

PAYMENT METHOD AND SYSTEM USING CRYPTO CURRENCY}

The present invention relates to a virtual currency settlement and system, and more particularly, by utilizing the existing payment infrastructure, when the customer pays the payment in virtual currency, the desired currency among the virtual currency and the legal currency is settled according to the collector's choice. It relates to a virtual currency payment method and system that can be used as a means.

Recently, interest in virtual currency (crypto currency, Crypto Currency) based on blockchain technology is increasing. Virtual currency is referred to as electronic money that uses cryptography for secure transactions in a peer-to-peer network.

Bitcoin, a representative virtual currency, is the world's first P2P network-based electronic financial transaction system and new currency created by unidentified programmer Satoshi Nakamoto in 2009. As the distrust of the existing monetary system spread, it started with the motivation to realize the ideal currency.

Basically, all currencies have an issuer and are guaranteed to be valued and paid for being currency. For example, each country's currency is issued and operated by the central bank. In the case of points, gift certificates, and cyber money, there are companies that issue and operate, and are generally used only within their services. There is a central issuer, and users have no choice but to establish a vertical relationship with the payment and settlement infrastructure they have built.

But Bitcoin is a monetary system that excludes centralized control. For the decentralized structure, Bitcoin is designed as a P2P structure where users are horizontally interconnected instead of the server / client method. Bitcoin's issuance and transaction history is not on a central server but on a network composed by users' computers.

As interest and prestige of virtual currency increase, there is a debate about whether it can function like a legal currency. In addition, research is being actively conducted on the methods that can be used as legal money in real life.

However, as of yet, virtual currency has not been used as a means of payment in actual commerce, and it is necessary to build a system that can be used as a means of payment in order to function as real money. As a prior art document, although the virtual currency issuing method and payment system of Korean Patent Application Publication No. 10-2018-0019543 propose a payment system using virtual currency, it is possible to use the existing infrastructure as a system for issuing coins to merchants and using it for payment. It is difficult and complicated to implement the system.

Korean Patent Publication No. 10-2018-0019543 (published Feb. 18, 2018)

The present invention has been devised to overcome the limitations of the existing virtual currency, and proposes a payment method and system that can utilize various types of virtual currency as a payment method in real life.

The present invention relates to a payment method and system using a virtual currency, the payment method according to an embodiment is a virtual currency payment method using a user terminal, using the recognition module of the user terminal, display information display medium of the store Recognizing identification information displayed on the screen; Receiving payment information to be paid by the user through a service application running on the user terminal; Confirming, based on the identification information and the payment information, a user-side payment currency to be paid by the user and a type of a store-side payment currency to be paid by the store; Requesting to create a transaction transaction in the virtual currency wallet possessed by the user, wherein the virtual currency wallet generates a transaction transaction according to a predefined method based on the type of the settlement currency identified from the checking; Generating a transaction transaction; Receiving a generated transaction transaction from the virtual currency wallet; And when the type of payment currency is a virtual currency of the same kind, transmit the transaction transaction to a depositor account address, and when the type of payment currency is a heterogeneous virtual currency or a legal currency, send the transaction transaction to a payment server to make a payment. Requesting.

Another embodiment of the present invention provides a payment system using virtual currency, comprising: an identification information display medium of a store including identification information unique to a store; A user terminal that recognizes the identification information from the identification information display medium, receives payment information to be paid by the user, and generates a transaction transaction through the user's virtual currency wallet; And providing a service application that recognizes the identification information to the user terminal, and inputs the payment information, and when receiving a payment request from the user terminal, exchanges or settles the payment according to a predefined method and transfers the payment to the store. And a payment server, wherein the user terminal uses a service application running on the user terminal, based on the identification information and the payment information, a user-side payment currency to be paid by the user and a store-side payment currency to be paid by the store. Check the type of, and if the type of payment currency is a virtual currency of the same kind, transmits a transaction transaction to a payer account address, and if the type of payment currency is a heterogeneous cryptocurrency or fiat currency, send a transaction transaction to the payment server It is characterized in that for requesting payment.

Optionally, the identification information may include at least one of a type of the store-side payment currency, a virtual money collector account address for receiving payment, or financial account information for legal currency. In addition, the payment system may further include a user's virtual currency wallet that stores the user's virtual currency and private key, the user terminal, after confirming the type of payment currency, requests the user's virtual currency wallet to create a transaction, user virtual The currency wallet may generate a transaction in response to a request and transmit the transaction to the user terminal. In addition, the identification information may be displayed on the identification information display medium in the form of a QR code.

According to the payment system of the present invention, there is an advantage that the currency according to the choice of the money collector among the virtual currency and the legal currency can be used as a payment method when the payment using the virtual currency without changing the existing infrastructure. In addition, according to the present invention, there is an advantage that the convenience of the user is maximized by using various virtual currencies owned without the hassle of exchanging legal currencies due to the characteristics of the virtual currencies. In addition, in addition to the virtual currency, there is scalability to utilize various means for payment based on the service of the payment server.

1 illustrates a virtual currency settlement system according to an embodiment of the present invention.
2 is for explaining a payment system and method using a virtual currency according to an embodiment of the present invention.
3 illustrates an example of a display on a user terminal in a virtual currency settlement system according to an embodiment of the present invention.
4 is a flowchart illustrating a virtual currency settlement method according to an embodiment of the present invention.
Like reference symbols in the various drawings indicate like elements.

Specific structural or functional descriptions of the embodiments according to the inventive concept disclosed herein are provided only for the purpose of describing the embodiments according to the inventive concept. It may be embodied in various forms and is not limited to the embodiments described herein.

Embodiments according to the inventive concept may be variously modified and have various forms, so embodiments are illustrated in the drawings and described in detail herein. However, this is not intended to limit the embodiments in accordance with the concept of the invention to the specific forms disclosed, and includes all changes, equivalents, or substitutes included in the spirit and scope of the present invention.

Terms such as first or second may be used to describe various components, but the components should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another, for example without departing from the scope of the rights according to the inventive concept, and the first component may be called a second component and similarly the second component. The component may also be referred to as the first component.

When a component is said to be "connected" or "connected" to another component, it may be directly connected to or connected to that other component, but it may be understood that other components may exist in the middle. Should be. On the other hand, when a component is said to be "directly connected" or "directly connected" to another component, it should be understood that no other component exists in the middle. Other expressions describing the relationship between components, such as "between" and "immediately between" or "neighboring to" and "directly neighboring to", should be interpreted as well.

The terminology used herein is for the purpose of describing particular example embodiments only and is not intended to be limiting of the invention. Singular expressions include plural expressions unless the context clearly indicates otherwise. In this specification, terms such as "comprise" or "have" are intended to indicate that there is a feature, number, step, action, component, part, or combination thereof described herein, but one or more other features. It is to be understood that the present invention does not exclude the possibility of the presence or the addition of numbers, steps, operations, components, parts, or combinations thereof.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art. Terms such as those defined in the commonly used dictionaries should be construed as having meanings consistent with the meanings in the context of the related art, and are not construed in ideal or excessively formal meanings unless expressly defined herein. Do not.

1 illustrates a virtual currency settlement system according to an embodiment of the present invention. The payment system may be implemented between the user terminal 110, the store 210, the virtual currency issuing server 300, and the payment server 410 that provides a payment service.

A user may carry a user terminal 110 for payment in a store. The user terminal 110 may be a mobile phone, a smart phone, a smart pad, a notebook computer, a digital broadcasting terminal, a personal digital assistant (PDA), a portable multimedia player (PMP), navigation, a tablet. Various wearable devices such as PCs, smart watches, and smart bands. In the present invention, the user terminal 110 may include a module for recognizing identification information in a store. As an embodiment, when the identification information is implemented as a code or an image, the user terminal 110 may photograph the identification information through the camera module. As another embodiment, when the identification information is implemented in a separate electronic medium, the communication module may include a communication module (or a recognition module) that receives the identification information from the electronic medium through short-range wireless communication. However, the present invention is not limited thereto, and may be various types of devices including a communication function capable of wireless communication and a separate application capable of executing a payment service.

In one embodiment, the user terminal 110 may install and drive a payment service application provided by the payment server 410. The user terminal 110 may download a service application provided by the management server 200 from an application market (eg, an app store or a Google play market). In one embodiment, a security application for payment may be installed together.

In one embodiment, the store 210 may include an identification information display medium displaying identification information for payment, and a store or account (or a collector (eg, a store owner)) to receive payment. The identification information display medium is a medium for displaying store-specific identification information necessary for the store 210 to proceed with a payment from the user terminal 110. The identification information is displayed as a two-dimensional code or image such as a barcode or a QR code. The medium may be a display device (paper or display), or may be a separate device that transmits the identification information through wired or wireless communication. The user terminal 110 may perform the payment by recognizing the identification information from the identification information display medium provided in the store. For example, when the identification information is displayed as a QR code, the user terminal 110 may acquire the identification information by photographing a code of the identification information display medium provided in the store with a camera, and proceed with payment based on the identification information. The payer account 230 is a payer account to receive payment, and refers to an account that collects virtual currency paid by a customer in a desired kind of currency. The collector account may be implemented to work with the collector's online or offline wallet. Here, the payee wallet may be implemented as an electronic wallet online or as a separate hardware storage medium, and may store virtual money or legal money in the payee wallet. In one embodiment, the depositor wallet storage medium (device), in the form of an electronic wallet, a mobile phone, a smart phone (smart phone), a smart pad (notebook computer), a digital broadcasting terminal, An electronic card, a smart card, a USB, a SIM card, or the like may be stored or implemented in a computing device to be a medium for storing virtual currency. The wallet for storing virtual currency may include a private key (secret key) value for security, and may be stored in a mobile, web form, or a separate hardware device.

As an example, when the store 210 wants to receive payment through a general account without a virtual currency wallet (or address), an account issued by a general bank (or a financial company such as a securities company) may be a payer account. . The general account may be managed at the financial institution server, and the user may access the financial institution server and inquire with a smartphone, ATM or computing device. In one embodiment, such a virtual currency or money collector account may be implemented in association with a payment terminal (eg, a POS or CAT terminal) of the store 210 to receive payment approval or rejection related information from the payment server 410. have. The payment terminal of the store 210 may install and run a service application provided by the payment server 410, and may check and settle a transaction history through the service application. According to the system of the present invention, the collector of the store has an advantage that can collect the payment in the desired currency of the virtual currency or legal currency.

The issuing server 300 refers to a server operated by a person or person concerned with virtual currency issuance, and one or more issuing servers 310 and 320 to 390 may exist according to the type of virtual money. For example, a bitcoin issuing server in case of Bitcoin and an ethereum issuing server in case of Ethereum may be each virtual currency issuing server. Alternatively, in order to create an account of a virtual currency, in addition to a server for issuing coins directly, an exchange server for issuing a coin account may be included in the issuing server 300. In one embodiment, the store 210 and the user terminal 110 of the same or different types of virtual currency can be issued and held from the issuing server 300, it may be held in each person's wallet.

When payment is received in virtual currency at the time of payment, when using the same type of virtual currency between the user terminal 110 and the collector account 230 medium, the payment price virtual currency can be moved by P2P transfer. At this time, the virtual money can be sent according to the blockchain-based P2P transfer method. Here, blockchain is an innovative technology that proves the integrity of the transaction book through transparent and efficient sharing of transaction records among multiple trading participants.As a separate intermediary, data blocks that are connected like a chain are propagated and verified to all network participants in real time. There is a feature to guarantee the reliability of the data without. As an embodiment, the user may recognize the identification information of the store provided in the store 210 using the user terminal 110 possessed by the user, and transmit the payment price to the virtual currency wallet address included in the identification information.

The payment server 410 is a service server operated by a payment service provider, and may provide a payment system of the present invention to a user and a store. The payment server 410 of the present invention may distribute or operate a service application provided to the user terminal 110, and may provide a store application (program) or a service website to the store 210. As an embodiment, the payment server 410 may include components necessary for settlement when a user pays a payment with heterogeneous virtual currency or a general account. For example, the payment server 410 may hold various types of virtual currency in advance, and may exchange and pay when settlement of payment amount by heterogeneous currency. In addition, when the store 210 intends to be settled in legal currency through a general account, the virtual currency may be paid by converting the virtual currency into legal currency according to a real-time price. To this end, the payment server 410 may include components such as a virtual currency storage unit, a currency exchange unit.

Through operation between these components (110, 210, 300, 410), it is possible to implement a payment system to be provided in the present invention. The user terminal 110 may recognize the identification information of the store 210 and pay in a desired currency, and the store 210 may also be settled in a desired currency (virtual currency or statutory currency). According to the payment system of the present invention, virtual currency can be used as a payment method in real life without changing the existing payment infrastructure.

2 is a view for explaining a payment system and method using a virtual currency according to an embodiment of the present invention. Referring to FIG. 2, a case in which the user terminal 110 performs payment in a virtual currency of the same kind (S22) and a case in which payment is performed in a heterogeneous virtual currency or statutory currency (S24) will be described. In the drawing, the identification information display medium 250 is mainly described as a QR code, but the present invention is not limited thereto and may be a code, an image, a number, a letter, or a short range communication device.

The user terminal 110 may proceed with payment after purchasing a product or service in the store 210. The shop 210 may be provided with an identification information display medium printed with a QR code. The QR code may include general account information or virtual currency wallet address as store identification information. The user terminal 110 may photograph the QR code provided in the store to recognize the identification information (S21). In this case, the user terminal 110 may drive the service application to photograph the QR code according to the code shooting guide, and may extract the identification information of the store from the recognized QR code. In one embodiment, the identification information may be in an encrypted form, and the user terminal 110 may extract the identification information by decrypting the service terminal at the time of capturing the image, or decrypting it while connected to the payment server 410. In this embodiment, the user terminal 110, after recognizing the identification information, determines whether the identification information of the store is the case that the user pays for the payment and the virtual currency wallet address of the same currency, the heterogeneous currency, or the general account. do. As described above, the identification information may be extracted and determined through the service application installed in the user terminal 110.

On the other hand, on the user terminal 110, the same procedure as the display shown in FIG. 3 illustrates an example of a display on a user terminal 110 in a virtual currency settlement system according to an embodiment of the present invention.

The user terminal 110 may drive a payment service application provided by the payment server 410. The payment service application may be linked with a mobile virtual currency wallet or a separate hardware virtual currency wallet for virtual currency payment. For example, a service application may operate a mobile virtual money wallet within the application, and pay the virtual money (e.g., NFC, BLE connection) when payment is made from a separate hardware device such as a smart card. have.

As one embodiment, when the identification information display medium displays the identification information of the store by the QR code, as shown in FIG. 3A, the identification information may be recognized using the camera module of the user terminal 110. . For example, the identification information may include a store name, store specific information (e.g., business number, address, telephone number, etc.), the type of virtual currency the store wants to settle, a virtual currency wallet address, or a financial company name as a general settlement account. , Financial account numbers, and the like.

After recognizing the identification information, as shown in FIG. 3B, payment information may be input. The identification information may be recognized to automatically extract and display a store name as shown in the 520 display. The payment amount 530 is an amount to be paid at the corresponding store and may be directly input by the user. As another example, through the identification information recognition 510, a payment type may be presented as a menu and may be implemented to be selected by a user. When the user enters a payment amount, the user may display the preset virtual currency conversion amount together. In addition, the user may select the type of virtual currency (540). The type of virtual currency may be set to display a kind previously set by the user as a default value or to display only the type of virtual currency owned by the user. As another example, the user terminal 110 may display the types, balances, and prices of the virtual currency available to the user on the payment information input display 520, and select a currency to be paid in consideration of the presented information. And payment. When the input of the payment information is completed, the user may press the payment button 550 to make a payment.

Referring back to FIG. 2, when the user terminal 110 obtains identification information from the identification information display medium 250 of the store 210, the user terminal 110 determines whether the recognized identification information is the same virtual currency wallet address. In addition, it can be determined whether it is a heterogeneous crypto wallet address or a general account. On the user terminal 110, the identification information is determined, and in the case of a homogeneous virtual currency, it is implemented to bypass without passing through the payment server, and in other cases, it is implemented to be remitted to the payee through the exchange of the payment server. do.

As the first embodiment, when the identification information is a virtual currency wallet address of the same kind, payment can be made without going through the payment server 410 as in a general P2P virtual money transfer. The user terminal 110 checks the amount of virtual money to be remitted and the wallet address to be remitted based on the input payment information (eg, 520 of FIG. 3), and then transmits the virtual money to the corresponding address. The store 210 may check the virtual currency remitted to the address of the store terminal or the smartphone of the store owner. As an embodiment, the payment server 410 may provide a program capable of checking a virtual money transfer to a payment terminal, and may enable a payment payment using virtual money to be confirmed in real time. .

As another embodiment, if a delay occurs in the transfer time according to the type of virtual currency and it is difficult to use it as a payment method, even if the payment is made in the same type of virtual currency, the specific type of virtual currency is paid through the payment server 410. Can be implemented. In this embodiment, when the user terminal 110 proceeds to payment through the service application as shown in FIG. 3, in the case of a preset type of virtual currency, a payment request is transmitted to the payment server 410, and the payment server makes a payment. The payment may be processed in real time by transmitting the approval according to the request to the store 210 terminal. For example, when the user terminal 110 transfers 0.1 BTC as the payment price, the payment server receives the payment request information including the payment price, the store identification information (identification information including the wallet address to be paid), and receives 0.1 BTC. Upon receipt, a transaction approval message can be sent directly to the store terminal. In this case, the payment server 410 may have a corresponding money account and wallet and settle the store when the actual 0.1BTC transfer is completed.

As another example, the payment server 410 may support the transaction to proceed without P2P without intermediary, monitor the payment request of the user terminal 110 to determine the remittance facts and transmit a transaction approval message to the store terminal. That is, the virtual currency corresponding to the payment amount is transferred from the user terminal 110 to the payer account 230, and the time difference between the payment request time at the user terminal 110 and the reception time at the payer account 230. In order to solve the problem according to the delay, the transaction approval message may be transmitted to the store 210 in real time according to a payment request in advance. In this way, even if there is a delay in payment, the user's remittance (payment) ensures the fact that the virtual currency can be used as a payment method.

As a second embodiment, if the identification information is a heterogeneous cryptocurrency wallet address or a general account, the user pays the payment through the same interface (e.g., (a) and (b) of FIG. 3), but the actual payment path. May be implemented to use the payment server 410. As one embodiment, when paying with heterogeneous virtual currency between the user and the store, the payment server 410 may purchase the virtual currency transmitted from the user terminal 110. The user terminal 110 may determine the identification information and transmit a payment request to the payment server 410 when the type of virtual currency is different. The payment request may include a type of virtual currency, a payer account address, a time of remittance, a type of user payment currency, a payment amount, and the like. The payment server 410 may receive the payment request, purchase the virtual money remitted by the user, and remit the virtual money for the store corresponding to the payment price to the payer account 230. The collector account 230 may receive the virtual currency and store the virtual currency in a collector wallet (online wallet or hardware wallet). To this end, the payment server 410 may have a predetermined amount of various types of virtual currency in advance. The payment server 410 collects and analyzes payment data to increase the amount of virtual money used and to reduce the amount of virtual money with low usage rate, so that payment data, virtual money type, and amount are linked at predetermined intervals. You can also design.

As another example, the payment server 410 may receive the virtual money received from the user terminal 110, exchange money according to a predetermined criterion, and transfer the converted payment to the address of the collector account 230. The exchange algorithm may be designed to reflect real-time quotes. The store 210 may receive the transfer of the money exchanged in real time, check the remittance history, the money exchange history, etc. from the user terminal 110 through the payment server 410, and may settle the payment for each period. have. For example, when the user transfers 0.1 BTC as the payment price, and the collector account 230 is determined to be based on Ethereum, the user terminal 110 may transfer the bitcoin to the payment server 410. The payment server 410 may exchange the deposited bitcoin (BTC) to Ethereum (ETH), and transmit (withdraw) 18ETH to the collector account 230. The store 210 may receive the payment amount in real time, and may settle the payment amount every predetermined period (eg, once a month).

As a third embodiment, even when the information presented in the identification information is a general bank account rather than a virtual currency, the purchase and settlement of the settlement price can be processed in the same manner as the heterogeneous virtual currency (second embodiment). The user may pay payment by an interface (eg, FIGS. 3A and 3B) by the payment service application. As an example, if the store does not have a virtual currency wallet and has a general financial company account, the collector account 230 may be a general account and check the deposit and withdrawal details of the account through the financial company on-offline. In this embodiment, the payment server 410 may purchase the virtual currency transmitted from the user terminal 110. The user terminal 110 may transmit the payment request to the payment server 410 when determining the identification information and extracting general account information. The payment request may include a financial institution, an account number, a remittance time, a user payment currency type, and a payment amount. The payment server 410 may receive the payment request, purchase the virtual money remitted by the user, and transfer the legal money corresponding to the payment price to the payer account 230. The money remitted to the collector account 230 may then be stored in the store wallet. As described above, the payment server 410 may prepay to the store 210 with the legal currency held or transfer money after exchange. In addition, the store 210 may receive a payment in real time or settle a predetermined cycle.

4 is a flowchart illustrating a virtual currency settlement method according to an embodiment of the present invention. This embodiment describes a payment flow implemented when a user has a user terminal 110 and a user wallet 115. The user wallet 115 may be a virtual currency wallet or a statutory currency account, but the signature for the case of the virtual currency wallet is an example for payment in virtual currency. The user wallet 115 may be in the form of a mobile wallet on an exchange, or may be a hardware device that stores a private key in a separate device such as a smart card.

When a user wants to make a payment for a service or a product in a store, as described above, the user terminal 110 may acquire identification information from the identification information display medium 250 provided in the store 210. (S401). As described above, the user terminal 110 may obtain identification information by photographing a code or an image displayed on the medium 250 or transmitting and receiving data through short-range wireless communication.

When the user terminal 110 recognizes the identification information, it is possible to determine the wallet address or currency type by analyzing the acquired identification information. For example, the user terminal 110 may recognize, extract, and analyze identification information through a service application provided by the payment server 410. According to the payment system of the present invention, the user terminal 110 according to the analysis of the identification information, if the payment amount of the remitter and the recipient is a virtual currency of the same kind, the virtual money transfer proceeds by-pass without going through the payment server, If the beneficiary has a different or statutory monetary account, the money is exchanged through the payment server.

After the user terminal 110 recognizes the identification information, it may request to generate a transaction for withdrawal of virtual currency from the user wallet 115 (S403). For example, if the type of money is the same as the payer account address included in the identification information, the user terminal 110 requests the creation of a transaction including the amount of virtual money withdrawal coins, wallet address and the like. The user wallet 115 may receive this and generate a transaction (S404). In one embodiment, the transaction may be withdrawal information including cryptographic information (eg, signed with a private key previously held). For example, a transaction for transmitting virtual currency may include an address to be received, a signature, an amount to be transmitted, and a public key. In this case, the address to be received may be a payer account in the case of a homogeneous virtual currency, or a virtual currency account (address) of a payment server in the case of a heterogeneous virtual currency or a fiat currency. After signing a transaction using a private key in a user wallet to generate a transaction, the transaction is transmitted to the user terminal 110 and the user terminal 110 transmits the address to an address to receive the transaction. The signature data of such a transaction can be verified through public key in the virtual currency network, and if the balance is justified compared to the previous transaction, it can be determined that the transaction is appropriate.

When a transaction is generated and transmitted to the user terminal 110, the user terminal 110 may transmit the virtual currency to the payee account 230 using the same (S405). This may be implemented in the same manner as the virtual money transfer of P2P method between users. That is, the virtual currency corresponding to the payment price may move from the user wallet 115 to the collector account 230. As an example, the store 210 may monitor and confirm a payment amount deposited in the collector account 230 through a store payment terminal or a separate device.

On the other hand, when the recipient account address and the currency type included in the identification information is heterogeneous or a general account, the transaction may be transmitted to the payment server 410 (S407). As an embodiment, in the case of heterogeneous virtual currency, the user terminal 110 transfers (withdraws) the virtual currency of the payment price to the wallet address (or another form of remittance address) of the payment server 410. You can create a transaction that includes. In addition to the transaction, the depositor information such as the actual depositor account information, currency type and amount to be deposited may be transmitted to the payment server 410 together with the transaction.

When a transaction for remittance from the user wallet to the payment server is generated, the user terminal 110 may transmit the transaction for the payment request to the payment server 410 after receiving the transaction. For example, if the user wants to pay in bitcoin, and the settlement address of the store is an Ethereum-based address, when the user terminal 110 recognizes the identification information, the user confirms that it is a heterogeneous cryptocurrency wallet address. In addition, the user's bitcoin including the bitcoin wallet address of the payment server may be transmitted to the payment server 410. In this case, the transaction transmitted to the payment server 410 may include a bitcoin wallet address, a bitcoin quantity, a payment price, a wallet address of a store, a currency type, and the like, of a payment server to receive bitcoins.

In one embodiment, the payment server 410 may receive a transaction and process payment settlement according to the transaction information (S408). In the case of heterogeneous virtual currency, the payment server 410 may convert the virtual currency received from the user terminal 110 into a virtual currency of a kind to be deposited by the store, and may transfer the payment price to the store (S409). As described above, the payment server 410 may hold various types of virtual money in advance, and in order to solve the problem of delayed deposit and withdrawal of the virtual money, after confirming the payment from the user, the prepaid virtual money is prepaid to the store. Can be. The payment server 410 may obtain a fee profit generated by exchanging money when desired according to the price. As another example, the payment server 410 may exchange money in real time for the transaction, and then transfer the payment to the collector account after deducting the fee.

If the store does not use virtual currency and uses a general financial account, the payment server 410 may receive the virtual currency from the user and prepay or exchange the legal currency. In the case of remittance to a financial account in legal currency, the payment server 410 may be linked with the financial company server.

When using such a payment system, there is an advantage that virtual currency can be used as a payment method without changing the existing infrastructure. In addition, in addition to the virtual currency, there is scalability to utilize various means for payment based on the service of the payment server. In addition, according to the present invention, there is an advantage that the convenience of the user can be maximized by using various virtual currencies owned without the hassle of exchanging legal currencies due to the characteristics of the virtual currencies.

Although the present invention has been described with reference to one embodiment shown in the drawings, this is merely exemplary, and it will be understood by those skilled in the art that various modifications and equivalent other embodiments are possible. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims.

110: user terminal 115: user wallet
210: Store 230: Collector Account
250: identification information display medium 300: issuing server
410: payment server

Claims (8)

As a virtual currency settlement method using a user terminal,
Recognizing identification information displayed on the identification information display medium of a store by using a recognition module of the user terminal;
Receiving payment information to be paid by the user through a service application running on the user terminal;
Confirming, based on the identification information and the payment information, a user-side payment currency to be paid by the user and a type of a store-side payment currency to be paid by the store;
Requesting the creation of a transaction transaction from the virtual currency wallet possessed by the user, wherein the virtual currency wallet generates a transaction transaction according to a predefined method based on the type of the settlement currency identified from the checking; Generating a transaction transaction;
Receiving a generated transaction transaction from the virtual currency wallet; And
If the type of payment currency is a virtual currency of the same kind, the transaction transaction is sent to a payer account address, and if the type of payment currency is a heterogeneous virtual currency or fiat currency, the transaction is sent to a payment server to request a payment. Virtual currency payment method comprising the step of. The method of claim 1,
The identification information may include at least one of a type of the payment currency of the store-side payment, a depositor account address for a virtual currency to receive payment, or a financial account information for legal currency. The method of claim 1,
When the payment currency is a heterogeneous virtual currency or a fiat currency, the payment server receiving a payment request including the transaction transaction;
Converting the user-side payment currency into the store-side payment currency according to a predefined criterion; And
The method of claim 1 further comprising the step of remitting the exchange-side payment currency exchanged to the virtual money collector account address or legal money financial account. The method of claim 1,
Checking the type of payment currency and requesting a transaction transaction generation from the user's virtual currency wallet;
Generating the transaction transaction according to a request using a private key stored in advance in the user virtual currency wallet;
The requesting of the payment may include requesting payment based on the transaction transaction. The method of claim 1,
The identification information is a virtual currency payment method characterized in that displayed by a QR code. As a virtual currency payment system,
Identification information display medium of a store including identification information unique to the store;
A user terminal recognizing the identification information from the identification information display medium, receiving payment information to be paid by the user, and generating a transaction transaction through the user's virtual currency wallet; And
Recognizing the identification information to the user terminal, providing a service application capable of inputting the payment information, when receiving a payment request from the user terminal to exchange or settle according to a predefined method to transfer the payment to the store Includes a payment server,
The user terminal, through the service application running on the user terminal, on the basis of the identification information and the payment information, to confirm the type of user-side payment currency to be paid by the user and the store-side payment currency to be paid by the store, When the type of payment currency is a virtual currency of the same kind, the transaction transaction is sent to a payer account address, and when the type of payment currency is a heterogeneous virtual currency or fiat currency, the payment request is made to send a transaction to the payment server. Virtual currency payment system. The method of claim 6,
The identification information may include at least one of a type of the payment currency of the store-side payment, a depositor account address for virtual currency to receive payment, or financial account information for legal currency. The method of claim 6,
The virtual currency wallet stores the user's virtual currency and private key, and generates a transaction transaction by signing with the private key when generating the transaction transaction,
The user terminal, after confirming the type of payment currency, the virtual currency payment system, characterized in that for receiving a transaction transaction generated by requesting the transaction creation to the user virtual currency wallet.

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