KR20200030787A - Apparatus for virtual currency payment, exchange, and method for providing payment service based on blcok-chain - Google Patents

Abstract

According to the present invention, provided is a virtual currency payment merchant terminal comprising: an input/output unit which receives a language and the currency type of a buyer, displays a current price of a virtual currency on the screen in the received currency type, outputs the quantity of the virtual currency to exchange the price of a product to be purchased by the buyer, and outputs a wallet address to send the virtual currency as an identification code; a virtual currency deposit confirmation unit which checks whether or not the quantity of the virtual currency output to the wallet address is deposited through a buyer terminal of the buyer who has read or scanned the identification code, and generates and outputs a deposit event when the virtual currency is deposited; and a receipt output unit which outputs a receipt of the sum of the received price of the product and a blockchain fee when the deposit event is output.

Description

Blockchain-based virtual currency payment merchant terminal and virtual currency payment and currency exchange service method {APPARATUS FOR VIRTUAL CURRENCY PAYMENT, EXCHANGE, AND METHOD FOR PROVIDING PAYMENT SERVICE BASED ON BLCOK-CHAIN}

The present invention relates to a method of providing a blockchain-based virtual currency payment and currency exchange service, and provides a platform for accessing each affiliated store connected by a private blockchain and purchasing a product in a virtual currency.

As the trend of IT technology, business model evolution, and smart payments spread, unofficial virtual currency has emerged, and the reason why bitcoin has been an issue in recent years as a representative virtual currency is that it is centralized unlike the existing digital currency. It is intended to replace the legal currency issued by banks, and it can be said that it is used for illegal activities such as bankruptcy, tax evasion, money laundering, and drug trafficking of exchanges. Bitcoin is based on a network that individually connects users' computers around the world, and there is no issuer, and anonymity is guaranteed. As Bitcoin is used as a payment and settlement method in online and offline space, it issuance and distribution beyond nationality It is a useful exchange and payment method in terms of convenience and cost reduction that direct transactions are possible with only the Internet connected without a currency exchange or credit card.

At this time, Bitcoin developed into a technology that converts the amount of money left after currency exchange into Bitcoin, based on allowing transactions to exchange cryptocurrencies and cryptocurrencies using dedicated ATMs in the city in 2014 in Japan. In relation to this, in Korean Patent Publication No. 2017-0015655 (published on February 09, 2017), which is a prior art, currency identification information, which is the identified information, is generated by identifying the currency of each country to be input, and referring to the currency identification information. Disclosed is a configuration of a currency exchange terminal that measures the currency value of and controls the currency value to be converted into Bitcoin as much as the currency value of the corresponding country.

However, in the future, the cryptocurrency is expected to increase utility and increase the number of users through convergence that absorbs different types of advantages, such as improving exchangeability with the legal currency and expanding on-offline usage, but it is actually possible to receive general exchanges. Rather than being used as a general currency or payment method that has a value and a function of value measurement and value guarantee, virtual currency is a study to support the role of currency or equivalent fund or payment method in view of being held as an asset. And investigation is insufficient.

According to an embodiment of the present invention, a local product can be purchased based on a real-time quote between a legal currency and a virtual currency of a type selected by a buyer and an exchange rate between a local currency so that the virtual currency can function as various types of financial products and currencies. Allows access to merchants or vending machines after verifying the authenticity of the ID and adult authentication, managing mileage or purchaseable products of members by member and age, and establishing a private blockchain with each affiliate as a node. It is possible to provide a method of providing blockchain-based cryptocurrency payment and currency exchange services by creating and sharing distributed ledgers including inventory management and member management. However, the technical problem to be achieved by the present embodiment is not limited to the technical problem as described above, and other technical problems may exist.

As a technical means for achieving the above-described technical problem, an embodiment of the present invention, the language and currency type of the buyer is selected, the current market price of the virtual currency in the selected type of currency is displayed on the screen, and the product to be purchased by the buyer I / O unit that outputs the quantity of the virtual currency to exchange the price of, and outputs the wallet address to send the virtual currency as the identification code, and the quantity output to the wallet address through the buyer terminal of the buyer reading or scanning the identification code. Amount that sums up the price of the received product and the blockchain fee when the virtual currency is deposited and checks whether the virtual currency has been deposited or not and creates and outputs a deposit event when the virtual currency is deposited It includes a receipt output unit for outputting a receipt.

Another embodiment of the present invention is installed in the entrance area of the affiliate store, to control the door opening and closing of the affiliate store so that members can access the affiliate store, determine whether the identity of the buyer's identity card is forged, the identification card scanner, the language of the buyer And the currency type is selected, the current market price of the virtual currency is displayed on the screen in the selected currency, the quantity of the virtual currency to exchange the price of the product to be purchased by the buyer, and the wallet address to which the virtual currency is to be transferred. A merchant terminal that prints with a code, checks whether or not the amount of virtual currency output to the wallet address of the buyer who has read or scanned the identification code has been deposited, and generates and outputs a deposit event when the virtual currency has been deposited, and a merchant The transaction and purchase data generated from the terminal are reflected in the private blockchain with the merchant terminal as each node. , Update, and manage inventory data from the transaction and purchase data and permissions are set to include a rating and age the members of virtual currency payment service provider servers that manage the mileage and usage history.

 According to another embodiment of the present invention, when a language for ordering a voucher is input through the input / output unit, changing the screen in the input language, searching for a quote of the virtual currency in the currency of the selected type through the input / output unit, and the buyer The step of outputting the price of the selected product, the price of the searched virtual currency to the input / output unit, and generating a wallet address in which the virtual currency for depositing the price of the virtual currency corresponding to the price of the product input through the input / output unit is generated. The step of outputting the wallet address as an identification code through the input / output unit, and checking whether or not the virtual currency of the quantity output to the wallet address is deposited through the buyer terminal of the buyer who has read or scanned the identification code in the virtual currency deposit confirmation unit. , When the virtual currency is deposited, generating and outputting a deposit event to control payment processing It includes.

According to any one of the above-described problem solving means of the present invention, the virtual currency is based on real-time quotes between the legal currency and the virtual currency of the type selected by the buyer and the exchange rate between the local currency so that it can function as various types of financial products and currencies. To allow local products to be purchased, but the authenticity of the identification card and adult authentication are allowed, and access to the merchant or vending machine is allowed, and the member's mileage or purchaseable products are managed by member and age, and each affiliate is noded. By creating a private blockchain to share and share distributed ledgers including inventory management and membership management, e-wallets, other types of cryptocurrency integration and exchange services, online cryptocurrency exchanges, and cryptocurrency ATMs will evolve into new business models. By establishing a foundation that can be used, it can contribute to the expansion and development of cryptocurrency-related businesses. have.

1 is a view for explaining a blockchain-based virtual currency payment service providing system according to an embodiment of the present invention.
FIG. 2 is a block diagram illustrating a merchant terminal included in the system of FIG. 1.
3 is a view for explaining an embodiment in which a blockchain-based cryptocurrency payment service is implemented according to an embodiment of the present invention.
4 is a diagram illustrating a process in which data is transmitted and received between each of the components included in the system for providing a virtual currency payment service based on the blockchain of FIG. 1 according to an embodiment of the present invention.
5 is an operation flow chart for explaining a method of providing a blockchain-based virtual currency payment and currency exchange service according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art to which the present invention pertains can easily practice. However, the present invention can be implemented in many different forms and is not limited to the embodiments described herein. In addition, in order to clearly describe the present invention in the drawings, parts irrelevant to the description are omitted, and like reference numerals are assigned to similar parts throughout the specification.

Throughout the specification, when a part is "connected" to another part, this includes not only "directly connected" but also "electrically connected" with another element in between. . Also, when a part is said to “include” a certain component, it means that the component may further include other components, not to exclude other components, unless otherwise stated. However, it should be understood that the existence or addition possibilities of numbers, steps, actions, components, parts or combinations thereof are not excluded in advance.

The terms "about", "substantially", and the like used throughout the specification are used in or at a value close to that value when manufacturing and substance tolerances specific to the stated meaning are given, and the understanding of the invention To aid, accurate or absolute figures are used to prevent unconscionable abusers from unduly using the disclosed disclosure. The term "~ (step)" or "step of" as used in the entire specification of the present invention does not mean "step for".

In the present specification, the term “unit” includes a unit realized by hardware, a unit realized by software, and a unit realized by using both. Further, one unit may be realized by using two or more hardware, and two or more units may be realized by one hardware.

In the present specification, some of the operations or functions described as performed by the terminal, the device, or the device may be performed instead on the server connected to the corresponding terminal, device, or device. Similarly, some of the operations or functions described as being performed by the server may be performed in a terminal, apparatus, or device connected to the corresponding server.

In this specification, some of the operations or functions described as mapping or matching with the terminal means that the unique number of the terminal or identification information of the individual, which is the identification data of the terminal, is mapped or matched. Can be interpreted as

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

1 is a view for explaining a blockchain-based virtual currency payment service providing system according to an embodiment of the present invention. Referring to FIG. 1, the blockchain-based virtual currency payment service providing system 1 includes a merchant terminal 100, a virtual currency payment service providing server 300, a buyer terminal 400, and an ID scanner 500. You can. However, the system 1 for providing a blockchain-based virtual currency payment service in FIG. 1 is only an embodiment of the present invention, and thus the present invention is not limitedly interpreted through FIG. 1.

At this time, each component of FIG. 1 is generally connected through a network (network, 200). For example, as illustrated in FIG. 1, the merchant terminal 100 may be connected to the virtual currency payment service providing server 300 through the network 200. In addition, the virtual currency payment service providing server 300 may be connected to the merchant terminal 100, the buyer terminal 400, and the ID scanner 500 through the network 200. In addition, the purchaser terminal 400 may be connected to the virtual currency payment service providing server 300 through the network 200. In addition, the ID scanner 500 may be connected to the virtual currency payment service providing server 300 and the merchant terminal 100 through the network 200.

Here, the network means a connection structure capable of exchanging information between each node such as a plurality of terminals and servers, and examples of such a network include RF, 3GPP (3rd Generation Partnership Project) network, and LTE (Long Term) Evolution network, 5GPP (5rd Generation Partnership Project) network, WIMAX (World Interoperability for Microwave Access) network, Internet (Internet), Local Area Network (LAN), Wireless Local Area Network (LAN), Wide Area Network (WAN) , PAN (Personal Area Network), Bluetooth (Bluetooth) network, NFC network, satellite broadcasting network, analog broadcasting network, DMB (Digital Multimedia Broadcasting) network, and the like.

In the following, the term at least one is defined as a term including a singular number and a plural number, and even if the term at least one term does not exist, each component may exist in a singular or plural number, and may mean a singular or plural number It will be self-evident. In addition, it may be said that each component is provided in a singular or plural form, depending on the embodiment.

The merchant terminal 100 receives the virtual currency through the wallet address generated for each buyer by using the web page, app page, program or application related to the blockchain-based virtual currency payment service, and provides the price of the value corresponding to the virtual currency. The branch may be a device for processing payment completion of a product. At this time, the merchant terminal 100, as well as the kiosk (Kiosk), check the authenticity of the identification card, check the deposit of the virtual currency through the network communication, and any terminal that can process the payment of payment is possible It will be self-evident. At this time, the merchant terminal 100, when the buyer selects a language, changes the language output on the screen or sound to correspond to the language selected by the buyer, and when the buyer selects the currency, the selected type of currency and cryptocurrency It may be a device that queries and outputs real-time quotes. In addition, the merchant terminal 100 determines whether the authenticity of a passport or an ID card, etc. is authentic from the ID card scanner 500 through the virtual currency payment service providing server 300, and whether it can be the subject of the transaction by performing adult authentication. It may be a device for determining whether or not. In addition, the merchant terminal 100 calculates the quantity of the virtual currency corresponding to the price of the product that the buyer wants to purchase, as the price of the virtual currency converted into the currency of the type selected by the buyer, and calculates the calculated quantity of the virtual currency. It may be a device that generates a wallet address to be deposited for each buyer and outputs it as an identification code. In addition, the merchant terminal 100 may be a device that checks whether or not payment has been made to the wallet address, issues a deposit receipt when payment is made, and performs payment processing. At this time, the merchant terminal 100, the virtual currency payment service providing server 300 is not required when performing a process such as querying the current price of the virtual currency or checking whether the deposit is made in the wallet address. It may or may not, but it will be apparent that each role may be implemented separately or separately by distributing each role according to an embodiment. In addition, the merchant terminal 100 transmits all transaction-related data to pay for the price of the product to the virtual currency payment service providing server 300, thereby distributing the ledger and inventory from the virtual currency payment service providing server 300 to the private blockchain. It may be a server that enables management and member management.

Here, the merchant terminal 100 may be implemented as a computer that can access a remote server or terminal through a network. Here, the computer may include, for example, navigation, a laptop equipped with a web browser (WEB Browser), a desktop, a laptop, and the like. At this time, the merchant terminal 100 may be implemented as a terminal that can access a remote server or terminal through a network. The merchant terminal 100 is, for example, a wireless communication device in which portability and mobility are guaranteed, navigation, PCS (Personal Communication System), GSM (Global System for Mobile communications), PDC (Personal Digital Cellular), PHS (Personal) Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication) -2000, CDMA (Code Division Multiple Access) -2000, W-CDMA (W-Code Division Multiple Access), Wibro (Wireless Broadband Internet) terminal, It may include all kinds of handheld-based wireless communication devices such as a smart phone, a smart pad, and a tablet PC.

The virtual currency payment service providing server 300 may be a server that provides a blockchain-based virtual currency payment service web page, app page, program, or application. And, the virtual currency payment service providing server 300, when the merchant terminal 100 generates a wallet address, which is an account to receive the buyer's deposit, and provides an identification code, a server that checks whether the created wallet address has been deposited. However, as described above, if the merchant terminal 100 processes itself, the server may not exist, and may only serve to manage the plurality of merchant terminals 100. Further, the virtual currency payment service providing server 300 may be a server that deducts a currency exchange fee when depositing a virtual currency with the wallet address generated by the purchaser terminal 400, and updates the ledger of the node in the blockchain. It may be a server that plays a role. In addition, the virtual currency payment service providing server 300, when performing a process such as authenticity determination and adult authentication in the ID card scanner 500 linked to the merchant terminal 100, to determine the authenticity and adult status, etc. It may be a server that feeds back to the merchant terminal 100. In addition, the virtual currency payment service providing server 300 may be a server that stores the type and number of products sold by the affiliated terminal 100 existing in a plurality of branches as a log and manages members.

Here, the virtual currency payment service providing server 300 may be implemented as a computer capable of accessing a remote server or terminal through a network. Here, the computer may include, for example, navigation, a laptop equipped with a web browser (WEB Browser), a desktop, a laptop, and the like.

The buyer terminal 400 may be a terminal of a voucher buyer using a web page, an app page, a program or an application related to a blockchain-based virtual currency payment service. In addition, the purchaser terminal 400 may be a terminal of a foreigner or a domestic person who wants to purchase a product using a virtual currency. In addition, when the purchaser terminal 400 generates the wallet address in the merchant terminal 100 and outputs the identification code including the information of the wallet address and the quantity information of the virtual currency, the output identification code is scanned or read and the corresponding electronic It may be a terminal that transfers the virtual currency held by the buyer to the wallet. At this time, the type of virtual currency may be bitcoin, but is not limited thereto.

Here, the purchaser terminal 400 may be implemented as a computer capable of accessing a remote server or terminal through a network. Here, the computer may include, for example, navigation, a laptop equipped with a web browser (WEB Browser), a desktop, a laptop, and the like. At this time, the purchaser terminal 400 may be implemented as a terminal capable of accessing a remote server or terminal through a network. The purchaser terminal 400 is, for example, a wireless communication device in which portability and mobility are guaranteed, navigation, PCS (Personal Communication System), GSM (Global System for Mobile communications), PDC (Personal Digital Cellular), PHS (Personal) Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication) -2000, CDMA (Code Division Multiple Access) -2000, W-CDMA (W-Code Division Multiple Access), Wibro (Wireless Broadband Internet) terminal, It may include all kinds of handheld-based wireless communication devices such as a smart phone, a smart pad, and a tablet PC.

The identification card scanner 500 may be a device that scans an identification card to check whether a member or a buyer who wants to enter or exit an affiliate store is authentic or not. At this time, the ID scanner 500 may be a device that outputs a door opening or access permission signal to the door opening / closing device when it is confirmed that the member is connected to the door opening / closing device (not shown) of the affiliated store. At this time, the ID scanner 500 may be formed integrally with the merchant terminal 100 according to an embodiment of the present invention. For example, in the case of an IoT vending machine, it may be integrally formed, and when a location to access the affiliated terminal 100 is spaced apart, for example, it may be separately installed in a place such as an unmanned convenience store, but is not limited thereto. It will be apparent that various embodiments may be possible. Here, the ID scanner 500 may be implemented as a computer that can access a remote server or terminal through a network. Here, the computer may include, for example, navigation, a laptop equipped with a web browser (WEB Browser), a desktop, a laptop, and the like.

FIG. 2 is a block diagram illustrating a merchant terminal included in the system of FIG. 1, and FIG. 3 is a diagram for explaining an embodiment in which a blockchain-based virtual currency payment service according to an embodiment of the present invention is implemented to be.

Referring to FIG. 2, the merchant terminal 100 may include an input / output unit 110, a virtual currency deposit confirmation unit 120, a receipt output unit 130, and a control unit 140.

Blockchain with a virtual currency payment service providing server 300 or another server (not shown) operating in conjunction with the merchant terminal 100, the buyer terminal 400, and the ID scanner 500 according to an embodiment of the present invention When transmitting the virtual currency payment service application, program, app page, web page, etc., the merchant terminal 100, the purchaser terminal 400, and the ID scanner 500, a blockchain-based virtual currency payment service application, program , You can install or open app pages, web pages, etc. In addition, the service program may be driven in the merchant terminal 100, the purchaser terminal 400, and the ID scanner 500 using a script executed in a web browser. Here, the web browser is a program that enables the use of the world wide web (WWW) service, and refers to a program that receives and displays hypertext described in a hypertext mark-up language (HTML), for example, Netscape. , Explorer, Chrome, etc. Further, the application means an application on the terminal, and includes, for example, an app running on a mobile terminal (smartphone).

Referring to FIG. 2, when the language for ordering a gift certificate is input through the input / output unit 110, the input / output unit 110 may change the screen in the input language. At this time, in the case of an unmanned affiliated store or a vending machine, a buyer inputs, but in the case of an attracted affiliated store, a language may be input by a person operating the affiliated terminal 100. In this way, the input / output unit 110 receives the buyer's language and currency type, outputs the current market price of the virtual currency in the selected type of currency, and outputs the quantity of the virtual currency to exchange the price of the received product. , It is possible to output the wallet address to send the virtual currency as an identification code. For example, suppose that the merchant terminal 100 is an IoT vending machine and is located in Korea, and in the United States, A travels to Korea and purchases a movie ticket. At this time, it is assumed that the movie ticket is 10,000 won per sheet, 1 cryptocurrency per sheet, and there is no other type of ticket. In addition, if the current market price of one virtual currency is 10 dollars, the input / output unit 110 may display that the current market price of the virtual currency is 1 virtual currency = 10 dollars, and is 1 virtual currency per sheet. In addition, when A selects 10 pieces, the input / output unit 110 may output identification codes containing information of depositors A and 10 virtual currency when an electronic wallet address for depositing 10 virtual currency corresponding to 100 dollars is generated. have. At this time, the identification code may be a QR code, but it will be apparent that it may be implemented with other identification codes such as barcodes according to embodiments.

In summary, the input / output unit 110 searches the market price of the virtual currency in the currency of the type selected through the input / output unit 110, and the price of the product selected by the buyer and the price of the searched virtual currency to the input / output unit 110. Outputs, generates a wallet address to which a virtual currency is deposited to exchange the price of a virtual currency corresponding to the price of a product received through the input / output unit 110, and identifies the generated wallet address through the input / output unit 110 You can print it out in code.

The virtual currency deposit confirmation unit 120 checks whether or not the virtual currency of the quantity output to the wallet address has been deposited through the buyer terminal of the buyer who has read or scanned the identification code, and generates a deposit event when the virtual currency has been deposited. Output to control the payment processing. At this time, the virtual currency deposit confirmation unit 120 may access itself to the wallet address to check whether the deposit is made, but as described above, according to the implementation example, the virtual currency payment service providing server 300 confirms the deposit status. You can also get only the result.

When the deposit event is output, the receipt output unit 130 may output a receipt of the sum of the price of the received product and the blockchain fee. At this time, the receipt output unit 130 prints and prints a receipt print list including the serial number of the merchant terminal 100, the transaction date and time, the wallet address, the number of coins, the quantity of the product, and the transaction amount converted into the selected type of currency. can do. At this time, the coin of the amount of coins does not refer to a specific virtual currency, but will be defined as a term referring to a unit of the virtual currency. Here, the identification code may include information on the wallet address and the quantity of coins to be deposited.

The control unit 140 may perform a role of controlling each component of the merchant terminal 100, transmitting input / output signals, and controlling overall input / output management and command signals.

Meanwhile, as a result of determining whether the ID card is forged or not, the ID scanner 500 may complete identification of the identity card. At this time, the ID scanner 500 may perform adult authentication as well as forgery. Accordingly, forgery or non-counterfeiting is determined through infrared (IR) and hologram (OVD), and the ID scanner 500 can verify adult authentication using the scanned passport or ID's resident registration number or date of birth OCR.

At this time, in the ID scanner 500, a method for forgery of ID and adult authentication includes validity of identification information written on the ID, infrared inspection that calculates and compares infrared transmission values scanned from infrared lamps, and scanning from UV lamps It is possible to use the method of discriminating through the step of ultraviolet inspection that calculates and compares the value of the reflected ultraviolet rays.Therefore, the acquired image data is automatically stored, so there is no need to prepare a copy of the identification card, and OCR (Optical Character Reader) processing is performed. Since the information obtained through is automatically stored in the database, an input process for entering personal information may be unnecessary. A detailed description of this is omitted because it is published in Korean Patent No. 10-0894696 (announced on April 24, 2009) of the applicant, and it is apparent that various methods may be used according to embodiments other than the above-described method. will be. In addition, the applicant's PCT applicants PCT / KR2016-014988 and PCT / KR2016-014060 for the non-face-to-face financial account accounting method and the unmanned financial transaction method using a mobile terminal may also be used.

The ID scanner 500 is installed in the access area to interwork with the merchant terminal 100 to control the opening and closing of the merchant's door so that members can access the merchant, and it is possible to complete identity verification by determining whether the purchaser's identification card is counterfeit. have. At this time, door opening may be allowed through adult authentication, or even an adult may not be allowed to access the door, which may vary depending on various embodiments of which objects are allowed to access the affiliate store. It is apparent that the configuration is not limited to the above-described conditions.

Meanwhile, the merchant terminal 100 may be one node among a plurality of nodes in the blockchain. At this time, looking at bitcoin among cryptocurrencies, it is a kind of electronic payment method using electronic signature (encryption protocol) and the Internet, and it is a distributed type accessed through the Internet instead of relying on real assets such as gold and the creditworthiness of the issuing entity such as the country. (Peer to Peer, hereinafter referred to as P2P) Participants (miners) carry out special calculation work called Proof of Work independently and competitively (as an incentive for issuing new generated bitcoins) through data transmission and reception on the network. The biggest feature is that the risk of double payment is prevented by continuously storing the block chain open transaction records.

In principle, the transfer of legal currency needs to be done through intermediaries such as financial institutions and remitters in principle, whereas in the case of Bitcoin, the user's electronic wallet functions as an access point in the P2P network and Bitcoin is used as the user's electronic wallet. It is possible to trade directly with each other. It is clear that Bitcoin is not the traditional currency issued by the central bank and the statutory currency itself in the absence of a specific issuer, but the signatories acknowledged that Bitcoin has a value for payment and exchange, and the basis itself. As a result, it can be used for payment and settlement methods for resolving the bond debt relationship, and for the transfer of money between the deficit, and has a similar function to currency and settlement funds. When the general public uses Bitcoin, they pay for traditional currencies such as Yen and US dollars through the electronic wallet address installed on their PC, or the address opened on the Bitcoin Exchange site, and then purchase Bitcoin. You can purchase products from this available online market, use them in exchange for services, sell them with other users, or repay them in traditional currency.

On the other hand, blockchain is composed of four basic technologies such as peer-to-peer (P2P) network, encryption, distributed ledger, and distributed consensus, and in the present invention, non-face-to-face cryptocurrency payment is performed using blockchain technology. Do it. Each of the technologies takes a complementary relationship to decentralization, which is the value of blockchain, and maintains the integrity of data, and forms the basis of the mechanism of blockchain operation. In addition, smart contracts, which are application technologies in the blockchain environment, are attracting attention in the fields of automated transactions, control, etc. as technologies that provide integrity and reliability for program execution codes and their results. First, the connection and communication between the participants of the blockchain is made based on the P2P network. A P2P network is a network composed of participants of equal layers that have escaped from the existing client-server method and is largely classified into a structured P2P (structured P2P) and an unstructured P2P (unstructured P2P). In particular, unstructured P2P can be divided into a distributed P2P network based on a centralized method in which networks between participants are centered around servers and a flooding algorithm of data. Blockchain uses flooding based unstructured P2P network for decentralized distributed network, which is a characteristic and ideology of technology. In addition, communication of the P2P network is generally performed through UDP, but the blockchain uses TCP / IP. Therefore, the participants of the blockchain maintain the IPs of the participants who are physically closest to them (in the case of Bitcoin, keep three IPs) and use them to exchange messages and data.

Second, the encryption technology used in the blockchain is 1) the Merkle Tree for verifying the integrity of the data, and 2) a public key-based digital signature technique for preventing the denial of transactions. The Merkle tree is a hash tree. It refers to a tree in which all non-leaf node names consist of hashes of child nodes. That is, leaf nodes point to data such as a file or a specific value, and the upper node is composed of a hash of this leaf node. The root node of the Merkle tree constructed in this way consists of hash values of the data of all leaf nodes constituting the tree, and the user can verify forgery and alteration of the data by only verifying the hash of the root node. Therefore, the blockchain constructs the basis of the Merkle tree by inserting transactions and information between participants in the leaf node, and there are several hash functions that can be used to create the parent node, but the blockchain uses the SHA-256 function to use the Merkle tree. Is taking advantage of.

The public key-based digital signature method is an encryption technology that enables secure communication between participants who do not share a secret key in advance, and is widely used in fields such as personal authentication. In the public key infrastructure, there are two key pairs, a public key and a secret key, and the public key is known to all participants, but the corresponding secret key must be maintained so that only the corresponding owner knows. This public key-based digital signature method is used in the blockchain to verify the validity of transactions. The user who wants to generate a transaction signs his or her transaction using his secret key and sends the transaction information to the blockchain network along with his public key corresponding to it. All other participants who received this transaction information verify the validity of the transaction using the sender's public key contained in the transaction, thereby confirming that the transaction was sent by a blockchain participant.

Third, the distributed ledger is a record storage of information that is replicated, shared, and synchronized by agreement among participants. Particularly, in order for distributed ledger to be applied on a P2P network, it has a feature that participants' agreement on the record of distributed ledger is required, which is maintained in the blockchain. In the blockchain, the distributed ledger records all transactions and information that occurs through the verification process of participants, and all participants maintain the same information. When verifying a transaction or information, first check the connectivity with the information already recorded in the distributed ledger maintained by each participant, and after agreement between the participants, only the legitimate transaction or information is stored in the distributed ledger of the blockchain. When storing transactions or information, they are accumulated for a period of time and stored in units called blocks, and stored in a distributed ledger in a state where connectivity between the blocks is given. This distributed ledger is the basis for ensuring data integrity provided by the blockchain. Since all users participating in the blockchain maintain the same distributed ledger data, in order for an attacker to falsify specific data or attempt double transactions, etc. from the outside, more than half of the distributed ledgers held by the participants Because it requires an attack, it requires high cost and computing resources.

Fourth, distributed consensus is a protocol that derives consent for specific data values between processes or agents in order to achieve overall system reliability when there are defective processes in areas such as distributed computing and multi-agent systems. The distributed consensus protocol for this has the following characteristics. First, validity, i.e., if all correct processes suggested the same data, all processes make a decision (valid, invalid) on the proposed data, and secondly, integrity, i.e., all correct processes are one If data has been adopted, it is data proposed by other processes. Third, consent, all correct processes must agree on some data, and fourth, termination, all correct processes. Have to make decisions about some data.

Blockchain designs the decentralized consensus protocol as described above and draws consensus among participants on transactions or information generated through this. It is one of the key parts because only the appropriate transaction or information is maintained on the blockchain after agreement. In addition, the characteristics of the blockchain are differentiated and the reliability of the system is affected by the method of using the distributed consensus protocol. Bitcoin, a representative blockchain service, uses a distributed consensus protocol called Proof-of-work. This proof-of-work protocol is a protocol that draws consensus on block information between participants by performing a process of finding specific hash values in a trial and error manner using transactions and data to be stored as blocks and SHA-256 hash functions. At this time, the blockchain can use a voting-based consensus algorithm called Proof-ofstake, and the security is lower than the work-proven consensus, but it can solve the consensus speed and power waste. Based on the proof-of-stake (DPoS), a consensus algorithm such as Delegated Proof-of-Stake and PBFT (Practical Byzantine Fault Tolerance) -based Tendermint may be further used.

Further, in one embodiment of the present invention, a smart contract may be used. Smart contracts are computer protocols for e-commerce and are defined as computer transaction protocols that enforce contract terms, and aim to minimize brokers for trust in transactions while meeting contract terms and minimizing malicious exceptions. Blockchain supports such smart contracts, which enables automated direct transactions between trading partners without intermediaries or central agencies, and ensures the reliability and integrity of transaction information by keeping all the terms and results in a distributed ledger. That is, the user programs a protocol smart contract containing the desired conditions and stores it in the blockchain, and when a specific condition is satisfied, the smart contract is verified and executed by other blockchain participants. The execution results are stored in the blockchain again, and the integrity and reliability of information on the transaction results are also guaranteed. In particular, automatic, autonomous collaboration and control between devices with computing power is possible with a smart contract on the blockchain. The above-described blockchain may be defined as a public blockchain as a concept that contrasts with a blockchain described later.

In addition to this, the present invention may further use a private blockchain, which may be defined as a network that shares transaction data, member data, purchase data, etc. with each affiliate as a node. This consists of a network that is not disclosed and is only held between each affiliated store, and the function may include all of the functions of the above-described blockchain. In addition, the private blockchain is an enterprise-type blockchain in which a company controls everything according to an embodiment of the present invention, and can be defined as an existing centralized database to which the function of cryptographic auditability is added, and is centralized. While maintaining the role of management, it can be introduced for the purpose of improving the security of the existing centralized method and solving the limitations of process processing, etc.Because it is a blockchain designed to suit the purpose and characteristics of specific institutions and companies, it is a blockchain This branch is possible without implementing all of the characteristics such as openness and dispersibility, but it is as described above that all the characteristics can be implemented. At this time, the private blockchain does not need to be issued if there is no economic basis for issuing coins because the operating nodes on the network are limited to each affiliated store, but is not limited to being issued. In addition, the private blockchain may be a suitable method for distributing and managing data.

Hereinafter, the operation process according to the configuration of the virtual currency payment service providing server of FIG. 2 will be described in detail with reference to FIG. 3 as an example. However, the embodiment is only one of various embodiments of the present invention, it will be apparent that it is not limited thereto.

Referring to Figure 3a, (a) the merchant terminal 100 is at least one, and at least one merchant terminal 100 may be linked to the virtual currency payment service providing server 300 to manage the transaction. In addition, the virtual currency payment service providing server 300 reflects transaction and purchase data generated in the at least one merchant terminal 100 in a private blockchain having at least one merchant terminal 100 as each node, Update and manage inventory data from transaction and purchase data, and the private blockchain may be a peer-to-peer network sharing a distributed ledger between at least one merchant terminal 100. At this time, the distributed ledger shared by the private blockchain may include the functions of the distributed ledger of the above-described blockchain.

At this time, the virtual currency payment service providing server 300 manages members who can pay with virtual currency by at least one merchant terminal 100 by grade and age, and updates the member's mileage and purchase history information to block private You can manage the chain.

(b) And, the virtual currency payment service providing server 300 manages member management through the ID card scan when entering and exiting the affiliated store, and executes blockchain and transaction through blockchain engine management, and smart contract management, This can be done by managing autonomous transaction contracts using chain codes.

(c) The merchant terminal 100 is managed by the above-mentioned virtual currency payment service providing server 300 and when a language for payment of a product is input through the input / output unit 110, the screen is changed to the input language. You can. At this time, a user interface capable of selecting a language may be arranged on the screen of all processes of virtual currency payment. The merchant terminal 100 as shown in (a) may move to a screen for paying a product price when a buyer clicks or touches the main screen.

 (d) The merchant terminal 100 may search the market price of the virtual currency in the currency of the selected type through the input / output unit 110 and output the searched market price of the virtual currency to the input / output unit 110. At this time, the input / output unit 110 may display information such as the quantity of the product, the price of the product, the quantity of the virtual currency, the virtual currency transaction and currency exchange fee, and the sum of the virtual currency, but is not limited to those listed.

(e) The merchant terminal 100 generates a wallet address to which virtual currency is deposited to exchange product prices received through the input / output unit 110, and identifies the generated wallet address through the input / output unit 110. Can be output as At this time, each time a product is sold, a new wallet address can be generated to give a deposit address for each customer, but in the case of a member, a member's unique code may be used. Accordingly, the purchaser (customer) to the wallet address scans or reads the identification code including the QR code to the purchaser terminal 400 to transmit the virtual currency, and the merchant terminal 100 uses a QT server (not shown). It continuously checks whether or not the deposit is made, and when the deposit is made, it is directly transferred to the discharge screen. However, when the buyer terminal 400 made a deposit (transfer virtual currency), if the QT server is still checking, the merchant terminal 100 Silver, serial number (machine number), wallet address, cryptocurrency quantity, commodity price, the amount of money, etc. can be printed printing process.

Accordingly, the control unit 140 of the merchant terminal 100, the virtual currency of the quantity output to the wallet address through the buyer terminal 400 of the buyer who read or read the identification code in the virtual currency deposit confirmation unit 120 It is possible to check whether the deposit has been made, and if a virtual currency is deposited, a payment event can be generated and output to control payment processing. Of course, it will be apparent that the control unit 140 is in charge of controlling each component in addition to the above-described configuration. At this time, the price of the product is a payment amount based on the amount of the selected currency corresponding to the searched real-time price of the virtual currency. In other words, since cryptocurrency is highly volatile, it is important to trade to exchange and exchange real-time quotes, which can be converted based on the amount of money at the time of inquiry or transaction, which changes depending on the point of time depending on the embodiment. It can be said that it can exist.

3B to 3F are diagrams illustrating an embodiment in which the bitcoin exchange service of FIG. 3A is applied to an ATM. Referring to FIG. 3B, the user is configured to select a language he or she wants to use among the languages of each country, and when the user selects a language on this screen, a numeric keypad is output as shown in FIG. 3C, and at this time, the amount to be converted can be selected. have. If you set the currency type of the amount to be exchanged, the corresponding amount of virtual currency and fees are displayed, and the total number of virtual currency to be paid can be displayed. When the user selects the next button on this screen, the screen is changed to the screen shown in FIG. 3D, and a screen requesting the customer (user) to send the bitcoin with the QR code on the screen is output. At this time, the user can send a coin by scanning the QR code in his wallet (scan transfer), the ATM confirms that the user has transferred, and the ATM can print a receipt when the corresponding amount of coins is deposited. At this time, the fee percentage of the virtual currency is adjustable.

In other words, if the coin comes in (0 CONFIRM), and only 1 confirmation (6 confirmations in total) occurs on the blockchain, it can be automatically transferred from the server to the external wallet (exchange) of the business site, excluding blockchain fees, and exchanges The amount received from the business account is processed as a sell order (contract), and the amount of the sale sign (KRW / KRW) can be transferred to the ATM operator account. In addition, since it may take at least 10 to 20 minutes to complete the 1st confirmation, it is configured to process the automatic deletion process after the identification is completed and the identification (passport) for identification is prepared for immediate processing (consultation).

At this time, the identity verification process proceeds as shown in FIG. 3e. FIG. 3e is a procedure for immediate exchange, and it takes time for confirmation (CONFIRM) to prevent accident risks that may occur in the meantime and to prevent an accident. It can be progressed to be able to track. At this time, if the confirmation process is normally completed, the ID (passport) information can be automatically deleted, and the ATM according to an embodiment of the present invention leaves the credit card information of the person when applying for a local money exchanger (KIOSK) tax refund for foreigners Compared to the thing (departure within 100 days), it is to perform a stronger procedure to protect personal information.

Referring to FIG. 3F, a screen is displayed when a withdrawal is being made, and a CCTV may be further installed at a site installed in the ATM to interwork with the ATM according to an embodiment of the present invention. That is, to prevent the occurrence of withdrawal fertilization. At this time, the on-site ATM operator can manage the cash payment through CCTV and can be configured to check the balance in the management program. The fee for using the ATM can be charged at 3% of the exchange amount, but it is as described above.

3G, a front view of an ATM according to an embodiment of the present invention, and FIG. 3H is a perspective view and a partially enlarged view. At this time, it can be seen that the ATM is provided with a QR scanner, an identification card recognizer, a receipt printer, and a cash withdrawal space, but is not limited to the above-described configuration or design, and can be configured in accordance with an embodiment of the present invention. Anything is possible.

The items not described for the method of providing the blockchain-based virtual currency payment and currency exchange service of FIGS. 2 and 3 are the same as those described for the method of providing the blockchain-based virtual currency payment and currency exchange service through FIG. Since it can be easily inferred from the description, the following description will be omitted.

4 is a diagram illustrating a process in which data is transmitted and received between each of the components included in the system for providing a virtual currency payment service based on the blockchain of FIG. 1 according to an embodiment of the present invention. Hereinafter, an example of a process in which data is transmitted and received between each of the components will be described with reference to FIG. 4, but the present application is not limited to such an embodiment, and illustrated in FIG. 4 according to various embodiments described above. It is apparent to those skilled in the art that the process of transmitting and receiving data can be changed.

Referring to FIG. 4, when the ID scanner 500 is scanned (S4100), it is determined whether or not the scanned ID is forged, and if it is determined that the original is not a forgery of the ID, the virtual currency payment service providing server 300 By sending to (S4200), whether to receive membership, adult status, etc. as feedback (S4300).

Then, when it is found that the subject scanned from the virtual currency payment service providing server 300 by the ID scanner 500 is a member, a door opening signal is output (S4400) so that the buyer can access the affiliate store. Of course, even if you are a member, if you are not an adult, purchase restrictions on products that can only be bought by adults or access to affiliated stores that are only accessible to adults may be restricted. There may be cases where product purchase is not possible due to limited payment amount.

On the other hand, the merchant terminal 100 receives the language selected by the buyer, converts and outputs the language of the screen and inputs the price of the product and selects a currency type from the buyer (S4500), or provides a cryptocurrency payment service. Using the feedback that retrieves the market price through the server 300 (S4600, S4700), the market price of the selected currency of the virtual currency is output, and the quantity of the virtual currency corresponding to the product quantity and price is calculated and the buyer Generates a wallet address that can be deposited and outputs an identification code (S4800).

In addition, the virtual currency payment service providing server 300 receives the identification code and information from the merchant terminal 100 and checks whether the payment is made to the wallet address described above from the buyer terminal 400 (S4830). If it is confirmed, the result value is transmitted to the merchant terminal 100 (S4850) to output the receipt of deposit. Accordingly, the merchant terminal 100 that has been confirmed the payment process payment processing (S4850, S4870), and updates the ledger in the blockchain on the virtual currency payment service providing server 300, or records, manages inventory, and distributes Merchant management such as ledger management, member management, and inventory management are performed (S4900 to S4920).

The order between the above-described steps (S4100 to S4920) is only an example, and is not limited thereto. That is, the order between the above-described steps (S4100 ~ S4920) may be mutually variable, some of which may be executed or deleted simultaneously.

The details not described for the method of providing the blockchain-based virtual currency payment and currency exchange service of FIG. 4 are the same as those described for the method of providing the blockchain-based virtual currency payment and currency exchange service through FIGS. Since it can be easily inferred from the description, the following description will be omitted.

5 is an operation flowchart for explaining a method of providing a blockchain-based virtual currency payment and currency exchange service according to an embodiment of the present invention. Referring to FIG. 5, when a language for ordering a gift certificate is input through the input / output unit, the affiliated terminal changes the screen in the input language (S5100).

Then, the merchant terminal searches the market price of the virtual currency in the currency of the selected type through the input / output unit, outputs the price of the product selected by the buyer and the price of the searched virtual currency to the input / output unit (S5200), and receives the product input through the input / output unit Generates a wallet address to which the virtual currency for depositing the price of the virtual currency corresponding to the price of the money will be deposited, and outputs the generated wallet address as an identification code through the input / output unit (S5300).

In addition, the merchant terminal checks whether or not the virtual currency of the quantity output to the wallet address has been deposited through the buyer terminal of the buyer who has read or scanned the identification code in the virtual currency deposit confirmation unit, and deposits if the virtual currency has been deposited. It generates and outputs an event to control payment processing (S5400).

The details not described for the method of providing the blockchain-based virtual currency payment and currency exchange service of FIG. 5 are the same as those described for the method of providing the blockchain-based virtual currency payment and currency exchange service through FIGS. Since it can be easily inferred from the description, the following description will be omitted.

The method of providing a blockchain-based virtual currency payment and currency exchange service according to an embodiment described with reference to FIG. 5 is also in the form of a recording medium including instructions executable by a computer, such as an application or program module executed by a computer. Can be implemented. Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. Also, the computer-readable medium may include any computer storage medium. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data.

The method of providing a blockchain-based virtual currency payment and currency exchange service according to an embodiment of the present invention described above is an application basically installed in a terminal (which may include a program included in a platform or an operating system basically installed in the terminal) It may be executed by, or may be executed by an application (that is, a program) installed by the user directly on the master terminal through an application providing server such as an application store server, an application, or a web server related to the corresponding service. In this sense, the method of providing a blockchain-based virtual currency payment and currency exchange service according to an embodiment of the present invention described above is implemented as an application (that is, a program) basically installed on a terminal or directly installed by a user, such as on a terminal. It may be recorded on a computer-readable recording medium.

The above description of the present invention is for illustration only, and those of ordinary skill in the art to which the present invention pertains can understand that it can be easily modified into other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are illustrative in all respects and not restrictive. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as distributed may be implemented in a combined form.

The scope of the present invention is indicated by the following claims rather than the above detailed description, and it should be interpreted that all changes or modified forms derived from the meaning and scope of the claims and equivalent concepts thereof are included in the scope of the present invention. do.

Claims (10)

In the merchant terminal,
The buyer's language and currency type are selected, the current market price of the virtual currency is displayed on the screen in the selected currency, the quantity of the virtual currency to exchange the price of the product to be purchased by the buyer is output, and the virtual currency is transferred. An input / output unit for outputting a wallet address to be identified as an identification code;
A virtual currency that checks whether or not the output amount of the virtual currency has been deposited to the wallet address through the buyer terminal of the buyer who has read or scanned the identification code, and generates and outputs a deposit event when the virtual currency is deposited. Deposit confirmation unit;
A receipt output unit for outputting a receipt of the sum of the price of the received product and the blockchain fee when the deposit event is output;
Blockchain-based virtual currency payment merchant terminal including a.
According to claim 1,
The affiliated terminal is installed in the access area to interlock with the affiliated terminal to control the opening and closing of the affiliated store so that members can access the affiliated store. Is, a blockchain-based virtual currency payment merchant terminal.
According to claim 1,
The merchant terminal is at least one,
Interworking with the virtual currency payment service providing server that manages the transaction of the at least one merchant terminal,
The virtual currency payment service providing server reflects transaction and purchase data generated in the at least one merchant terminal to a private blockchain having each node as the at least one merchant terminal, and stock data from the transaction and purchase data. Update and manage,
The private blockchain is a P2P network that shares a distributed ledger between the at least one merchant terminal, a blockchain-based cryptocurrency merchant terminal.
The method of claim 3,
The virtual currency payment service providing server,
Blockchain-based cryptocurrency payment that manages members who can pay with cryptocurrency at the at least one merchant terminal by grade and age, and manages the private blockchain by updating the member's mileage and purchase history information. Merchant terminal.
According to claim 1,
The identification code includes information of the wallet address and the quantity of coins to be deposited, a terminal based on a blockchain-based virtual currency payment merchant.
In the virtual currency payment service providing system,
An identification card scanner installed in the entrance area of the affiliated store to control the door opening and closing of the affiliated store so that members can access the affiliated store and determining whether the identity of the buyer's identity card is forged;
The buyer's language and currency type are selected, the current market price of the virtual currency is displayed on the screen in the selected currency, the quantity of the virtual currency to exchange the price of the product to be purchased by the buyer is output, and the virtual currency is transferred. The wallet address to be output is output as an identification code, and it is checked whether or not the output amount of the virtual currency has been deposited into the wallet address of the buyer who has read or scanned the identification code. A merchant terminal that generates and outputs; And
The transaction and purchase data generated from the affiliated terminal are reflected in the private blockchain with each node as the affiliated terminal, and inventory data is updated and managed from the transactional and purchased data, and members are set up by level and age. A virtual currency payment service providing server that manages mileage and usage history;
Blockchain-based cryptocurrency payment service providing system comprising a.
The method of claim 6,
A buyer terminal scanning the identification code to deposit the output amount of virtual currency to the wallet address;
Further comprising, a blockchain-based cryptocurrency payment service providing system.
The method of claim 6,
The virtual currency payment service providing server is to manage a smart contract for autonomous transaction contracts using the private blockchain and chain code, a blockchain-based virtual currency payment service providing system.
In the method of providing a virtual currency payment and currency exchange service executed in the merchant terminal,
When a language for ordering a gift certificate is input through an input / output unit, changing a screen in the input language;
Searching a market price of a virtual currency in a currency of a selected type through the input / output unit, and outputting a price of a product selected by a buyer and a price of the searched virtual currency to the input / output unit;
Generating a wallet address to which a virtual currency for depositing a price of a virtual currency corresponding to a price of a product input through the input / output unit is deposited, and outputting the generated wallet address as an identification code through the input / output unit; And
The virtual currency deposit confirmation unit checks whether or not the output amount of virtual currency has been deposited to the wallet address through the buyer terminal of the buyer who has read or scanned the identification code, and when the virtual currency is deposited, checks the deposit event. Generating and outputting and controlling the payment to be processed;
Including, blockchain-based cryptocurrency payment and currency exchange service providing method.
The method of claim 9,
The price of the product is a payment amount based on the amount of the selected currency corresponding to the searched real-time price of the virtual currency, a method for providing a blockchain-based virtual currency payment and currency exchange service.

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