KR20200127713A - Real time transaction method using new payment means - Google Patents

Abstract

Provided is a real-time transaction method using cryptocurrency. According to an embodiment of the present invention, a real-time transaction method with an intermediary server, which is a target of affiliated store subscription, by a seller terminal prior to joining an affiliated store, comprises the steps of: transmitting a request for temporary payment information to the intermediary server; receiving a request for seller information and sales information from the intermediary server; receiving user input for the seller information and sales information; transmitting the seller information and the sales information to the intermediary server; receiving temporary payment information from the intermediary server; displaying the temporary payment information; and receiving temporary payment result information from the intermediary server.

Description

Real time transaction method using new payment means}

Embodiments of the present invention relate to a real-time transaction method using a new payment method.

In modern times, as transaction methods are diversified, various payment methods such as credit cards, debit cards, mileage, and gift certificates are used in addition to cash. In addition, due to the development of digital technology, a cryptocurrency of a concept different from the existing real money is emerging. Cryptocurrency is a virtual currency, and various types of cryptocurrencies such as Bitcoin, Ethereum, Ripple, Dash, and Litecoin are currently being traded.

Meanwhile, in order to use the payment method, the user needs to subscribe to a payment method service provided by an intermediary. In particular, the seller can use the payment method service by signing an affiliate contract with an intermediary.

However, as new payment methods continue to emerge, it becomes difficult for sellers to sign affiliate contracts with all intermediaries, and when it is difficult to specify an intermediary, it is sometimes impossible to sign an affiliate contract.

In order to activate the use of new payment methods, it is necessary to validate transactions using the new payment methods even before signing an affiliate contract.

The present invention is to provide a real-time transaction method using a new payment method prior to signing an affiliate contract.

In the real-time transaction method using cryptocurrency according to an embodiment of the present invention, in a real-time transaction method with an intermediary server that is a target of affiliated store subscription by a seller terminal prior to joining an affiliated store, transmitting a request for temporary payment information to the intermediary server. Step, receiving a request for seller information and sales information from the intermediary server, receiving a user input for seller information and sales information, transmitting the seller information and the sales information to the intermediary server, the intermediary server Receiving temporary payment information from, displaying the temporary payment information, and receiving temporary payment result information from the intermediary server.

In this embodiment, further comprising the step of transmitting an affiliate store subscription request including the seller information to the intermediary server, and receiving an affiliate store subscription approval response or an affiliate store subscription disapproval response from the intermediary server, and the affiliate store subscription approval The response includes information notifying that the temporary payment amount corresponding to the temporary payment information has been settled, and the member store subscription disapproval response includes information indicating that the remaining amount excluding the penalty amount has been settled from the temporary payment amount corresponding to the temporary payment information. Can include.

In this embodiment, the temporary payment information request includes access to a web page provided by the intermediary server, activation of an application provided by the intermediary server, and an unsubscribed merchant payment icon provided through the web page or the application. It may be generated by at least one of the choices for.

In this embodiment, the seller information may be identity authentication information performed using identification information of the seller terminal.

In this embodiment, the sales information may include at least one of real money amount information and cryptocurrency amount information.

In this embodiment, the temporary payment information may include at least one of seller identification information, intermediary identification information, and payment amount information, and the payment amount information may include at least one of real money amount information and cryptocurrency amount information. have.

In this embodiment, the displaying of the temporary payment information may be a step of displaying at least one of a QR code and an access address corresponding to the temporary payment information.

A real-time transaction method using cryptocurrency according to an embodiment of the present invention is a real-time transaction method between a registered buyer terminal and an unsubscribed seller terminal by an intermediary server providing a payment method to a subscribed user. , Receiving a request for temporary payment information from the seller terminal, transmitting seller information and sales information request to the seller terminal, receiving seller information and sales information from the seller terminal, the seller information and the sales information Generating temporary payment information based on, transmitting the temporary payment information to the seller terminal, receiving a cryptocurrency payment request based on the temporary payment information from the purchaser terminal, according to the cryptocurrency payment request Completing the cryptocurrency payment, and transmitting temporary payment result information to the seller terminal.

In the present embodiment, receiving a request for joining an affiliate store including the seller information from the seller terminal, determining whether the seller information satisfies the affiliate requirement, and when the seller information satisfies the affiliate requirement, Determining whether there is a temporary payment details corresponding to the seller information, if there is a temporary payment details corresponding to the seller information, calculating a temporary payment amount according to the temporary payment details, and to the seller terminal It may further include transmitting at least one of an affiliate store subscription approval response and a temporary payment amount settlement notification.

In this embodiment, when the seller information does not satisfy the affiliate requirement, determining whether there is a temporary payment details corresponding to the seller information, and when there is a temporary payment details corresponding to the seller information, the The step of calculating the remaining amount excluding the penalty amount from the temporary payment amount according to the temporary payment details, and transmitting at least one of a response to disapproval of the affiliated store subscription and a notification of the settlement of the remaining amount to the seller terminal.

According to embodiments of the present invention, even before the signing of an affiliate contract, a transaction can be validated using a new payment method.

1 is a view for explaining a transaction environment in which a real-time transaction method using a new payment method according to an embodiment of the present invention is performed.
2 is a flowchart illustrating a real-time transaction method prior to subscription using a new payment method according to an embodiment of the present invention.
3A to 3E are diagrams illustrating application screens in which a real-time transaction method using a new payment method according to an embodiment of the present invention is implemented.
4 is a flowchart illustrating a real-time transaction method upon approval of a subscription using a new payment method according to an embodiment of the present invention.
5 is a flowchart illustrating a real-time transaction method when a subscription is disapproved using a new payment method according to an embodiment of the present invention.

In the present invention, since various transformations can be applied and various embodiments can be provided, specific embodiments will be illustrated in the drawings and described in detail in the detailed description. However, this is not intended to limit the present invention to a specific embodiment, it is to be understood to include all conversions, equivalents, and substitutes included in the spirit and scope of the present invention. In describing the present invention, when it is determined that a detailed description of a related known technology may obscure the subject matter of the present invention, a detailed description thereof will be omitted.

The terms used in the following examples are used only to describe specific embodiments, and are not intended to limit the present invention. Singular expressions include multiple expressions unless the context clearly indicates otherwise. In the following examples, terms such as "comprises" or "have" are intended to designate the presence of features, numbers, steps, actions, components, parts, or combinations thereof described in the specification, and one or more It is to be understood that other features or possibilities of the presence or addition of numbers, steps, actions, components, parts, or combinations thereof are not preliminarily excluded.

Embodiments of the present invention may be represented by functional block configurations and various processing steps. These functional blocks may be implemented with various numbers of hardware or/and software configurations that perform specific functions. For example, embodiments of the present invention can directly control one or more microprocessors or execute various functions by other control devices, such as memory, processing, logic, and look-up tables. Circuit configurations can be employed. Similar to how the components of an embodiment of the present invention can be implemented with software programming or software elements, an embodiment of the present invention includes various algorithms implemented with a combination of data structures, processes, routines or other programming components. , C, C++, Java, assembler (assembler), such as programming or scripting language. Functional aspects can be implemented with an algorithm running on one or more processors. In addition, embodiments of the present invention may employ conventional techniques for electronic environment setting, signal processing, and/or data processing. Terms such as mechanism, element, means, and configuration may be widely used, and are not limited to mechanical and physical configurations. The term may include a meaning of a series of routines of software in connection with a processor or the like.

1 is a view for explaining a transaction environment in which a real-time transaction method using a new payment method according to an embodiment of the present invention is performed.

Referring to FIG. 1, a real-time transaction environment according to an embodiment of the present invention includes a network 1, a seller terminal 10, a buyer terminal 20, and an intermediary server 30.

Hereinafter, a real-time transaction method using a new cryptocurrency as an embodiment of the present invention will be described in detail. The following description is not limited to a real-time transaction method using a new cryptocurrency, but may be applied to a real-time transaction method using a new payment method other than a new cryptocurrency.

The seller terminal 10, the purchaser terminal 20, and the intermediary server 30 may transmit and receive information for using a new payment method through the network 1.

Through this, the intermediary server 30, which provides a payment method to the subscribed user, provides a new payment method between the purchaser terminal 20 in the subscribed state and the seller terminal 10 in the unsubscribed state through the network 1 You can broker the used transaction.

Here, the subscribed state means a state subscribed to a payment method service of an intermediary provided through the intermediary server 30, and may mean a state in which the seller has entered into an affiliate contract with the intermediary. The unsubscribed state means a state in which the intermediary's payment method service provided through the intermediary server 30 is not subscribed, and may mean a state in which the seller has not signed an affiliate contract with the intermediary.

The seller terminal 10 is provided by the intermediary server 30 even before the affiliate contract with the intermediary by accessing the web page provided by the intermediary server 30 or installing an application provided by the intermediary server 30 You can use the new payment method service.

Here, the access to the web page of the intermediary server 30 of the seller terminal 10 or the installation of the application in the intermediary server 30 may be regarded as a temporary affiliate contract between the seller and the intermediary.

The seller terminal 10 and the intermediary server 30 may transmit and receive information for joining an affiliated store through the network 1.

In this process, the intermediary server 30, through the network 1, in the unsubscribed state, using a new payment method provided through the intermediary server 30 to perform settlement for the merchant terminal 10 I can.

That is, the intermediary server 30 may settle the temporary payment amount generated by the seller terminal 10 through the temporary affiliate contract in the process of signing a formal affiliate contract.

Specifically, the intermediary server 30 calculates the temporary payment amount according to the temporary payment details for sellers that satisfy the affiliate requirements, and the penalty amount from the temporary payment amount according to the temporary payment details for sellers who do not meet the affiliate requirements. The remaining amount can be settled except for.

According to embodiments of the present invention, even a user who has not signed an affiliate contract can effectively transact using a new payment method, so that the use of the new payment method can be activated.

The purchaser terminal 20 and the intermediary server 30 may transmit and receive information for payment through the network 1.

For example, the purchaser terminal 20 may transmit a cryptocurrency payment request to the intermediary server 30 through the network 1, and the intermediary server 30 to the purchaser terminal 20 in response to the cryptocurrency payment request. Corresponding cryptocurrency transaction information may be changed, and the changed cryptocurrency transaction information may be shared with other nodes including the purchaser terminal 20 through the network 1.

For example, the seller terminal 10 may transmit a request for joining an affiliated store to the intermediary server 30 through the network 1, and the intermediary server 30 may respond to the request for joining an affiliated store and satisfy a predetermined requirement. The cryptocurrency transaction information corresponding to 10) may be generated, and the generated cryptocurrency transaction information may be shared with other nodes including the seller terminal 10 through the network 1.

Hereinafter, a real-time transaction method using a new payment method according to an embodiment of the present invention will be described in detail with reference to FIGS. 2 and 3A to 3E.

2 is a flowchart illustrating a real-time transaction method prior to subscription using a new payment method according to an embodiment of the present invention.

3A to 3E are diagrams showing application screens in which a real-time transaction method using a new payment method according to an embodiment of the present invention is implemented.

Referring to FIG. 2, the seller terminal 10 prior to the affiliate store subscription transmits a temporary payment information request to the intermediary server 30 that is the target of the affiliate store subscription (S201).

Temporary payment information request is made to the access to the web page provided by the intermediary server 30, activation of the application provided by the intermediary server 30, and the unsubscribed merchant payment icon 310 provided through the web page or application. It may be generated by at least one of the choices for.

Referring to FIG. 3A, an application provided by the intermediary server 30 may be installed on the seller terminal 10. When an application provided by the intermediary server 30 is installed on the seller terminal 10, it may be considered that a temporary affiliate contract has been concluded between the seller and the intermediary.

When the application is activated on the seller terminal 10, a login screen 31 including a login ID input field, a password input field, and a login icon and/or an unsubscribed merchant payment icon 310 for non-subscribers may be displayed. .

When a user input for activating an application on the seller terminal 10 or a user input for selecting the unsubscribed payment icon 310 is received, the seller terminal 10 may generate a temporary payment information request. When a request for temporary payment information is generated, the seller terminal 10 may transmit a request for temporary payment information to the intermediary server 30.

Referring back to FIG. 2, the seller terminal 10 receives a request for seller information and sales information from the intermediary server 30 (S203). The intermediary server 30 may request seller information and sales information from the seller terminal 10 to generate temporary payment information.

The seller information may be identity authentication information performed using identification information of the seller terminal 10.

The sales information may include real money amount information and/or cryptocurrency amount information. The cryptocurrency amount information may include an amount obtained by converting the amount according to the actual money amount information into cryptocurrency units. That is, the real money amount information and the cryptocurrency amount information included in the sales information may be information representing the same amount of money in different units.

The sales information may further include information on the transaction date and time, but is not limited thereto.

3B, when the seller terminal 10 receives a request for seller information and sales information from the intermediary server 30, the payment amount input box, payment coin input box, phone number input box, and authentication number transmission icon on the seller terminal 10 The seller information and sales information input screen 32 including the authentication number input field, the agreement to the terms and conditions icon, the detailed terms and conditions icon, and the unregistered affiliated store payment request icon 320 may be displayed.

The payment amount input field and the payment coin input field of the seller information and sales information input screen 32 may be a result of a request for sales information from the intermediary server 30 displayed on the screen, and the phone of the seller information and sales information input screen 32 The number input field, the authentication number transmission icon, and the authentication number input field may be a result of a request for seller information from the intermediary server 30 displayed on the screen.

Referring back to FIG. 2, the seller terminal 10 receives a user input for seller information and sales information (S205).

For example, the seller terminal 10 writes the payment amount on the seller information and sales information input screen 32 shown in FIG. 3B, selects a payment coin, writes a phone number, and selects an authentication number transmission icon And, it is possible to receive a user input for entering the received authentication number, selecting an icon for agreement to the terms and conditions, and selecting the payment request icon 320 for an unregistered affiliated store as a user input for seller information and sales information.

Subsequently, the seller terminal 10 transmits the seller information and the sales information to the intermediary server 30 (S207). Subsequently, the intermediary server 30 generates temporary payment information based on seller information and sales information (S209).

The temporary payment information may include at least one of seller identification information, intermediary identification information, and payment amount information. The temporary payment information may further include information on purchaser identification information and transaction date, but is not limited thereto.

The payment amount information may include at least one of real money amount information and cryptocurrency amount information.

The seller terminal 10 receives temporary payment information from the intermediary server 30 (S211), and displays temporary payment information on the screen (S213). The seller terminal 10 may display temporary payment information by displaying a QR code or access address including temporary payment information.

3C, when the seller terminal 10 receives temporary payment information from the intermediary server 30, the payment deadline, payment guide phrase, and a QR code 331- corresponding to the temporary payment information on the seller terminal 10 1) and/or a temporary payment information providing screen 33 including a connection address and a payment amount 331-2, and an unregistered affiliated store payment confirmation icon 330 may be displayed.

Referring to FIG. 2 again, the buyer terminal 20 obtains cryptocurrency payment information from the seller terminal 10 (S215).

For example, the purchaser terminal 20 recognizes the QR code 331-1 provided through the temporary payment information providing screen 33 of the seller terminal 10 shown in FIG. 3C, or the access address and payment amount By copying (331-2), it is possible to obtain cryptocurrency payment information.

That is, the cryptocurrency payment information obtained by the purchaser terminal 20 from the seller terminal 10 is a password including temporary payment information between the purchaser terminal 20 in the subscribed state and the seller terminal 10 in the unsubscribed state. It may mean money payment information.

Subsequently, the purchaser terminal 20 receives a user input for a cryptocurrency payment (S217), and transmits a cryptocurrency payment request based on the temporary payment information to the intermediary server 30 (S219). The intermediary server 30 completes the cryptocurrency payment according to the cryptocurrency payment request (S221), and transmits temporary payment result information to the seller terminal 10 (S223).

The intermediary server 30 may complete the cryptocurrency payment by changing cryptocurrency transaction information corresponding to the subscribed purchaser terminal 20 according to the cryptocurrency payment request. At this time, the intermediary server 30 adds temporary payment information between the purchaser terminal 20 and the seller terminal 10 to the cryptocurrency transaction information corresponding to the purchaser terminal 20, thereby corresponding to the purchaser terminal 20. Cryptocurrency transaction information can be changed. As a result, the balance of the cryptocurrency included in the cryptocurrency transaction information corresponding to the purchaser terminal 20 may be reduced.

The cryptocurrency payment process described through S215 to S221 of FIG. 2 has been described as an example of a payment process using a new payment method provided by an intermediary, and is not limited to the cryptocurrency payment process.

3D and 3E, temporary payment result screens 34-1 and 34-2 may be displayed on the seller terminal 10.

The temporary payment result screen 34-1 on which payment has been completed may include a payment completion guide phrase, payment date and time, payment amount, payment affiliate store, and first icon 340-1. Here, the payment affiliate store may be seller identification information corresponding to the seller terminal 10 for which temporary payment has been completed as a non-subscribed state. For the first time, the icon 340-1 may be an icon for displaying the login screen 31 on the seller terminal 10, but is not limited thereto.

The temporary payment result screen 34-2 in which the payment has not been completed may include a payment incomplete guide phrase, payment status, payment amount, payment affiliated store, first icon 340-1, and reconfirmation icon 340-2. have. Here, the payment affiliated store may be seller identification information corresponding to the seller terminal 10 in which the temporary payment has not been completed as an unsubscribed state. The reconfirmation icon 340-2 may be an icon for displaying the seller information and sales information input screen 32 or the temporary payment information providing screen 33 on the seller terminal 10, but is not limited thereto.

4 is a flowchart illustrating a real-time transaction method upon approval of a subscription using a new payment method according to an embodiment of the present invention.

Referring to FIG. 4, the seller terminal 10 transmits an affiliate store subscription request including seller information to the intermediary server 30 (S401). Here, the seller information may be at least partially the same as the seller information described through S203 to S207 of FIG. 2. For example, the seller information may be identity authentication information generated by inputting a phone number of the seller terminal 10, selecting an authentication number transmission icon, and inputting an authentication number. For example, the seller information may be the phone number of the seller terminal 10, but is not limited thereto.

The intermediary server 30 determines whether or not the seller information satisfies the affiliate requirement (S403). The franchise requirement may be a requirement to disapprove the affiliated store subscription to a seller who provides abnormal commercial activities as a service. For example, when a seller performs a commercial activity that does not provide a specific product and/or service, or performs a commercial activity suspected of being a criminal activity, the intermediary server 30 does not approve the seller to join the affiliate store.

When the seller information satisfies the affiliate requirement, the intermediary server 30 determines whether there is a temporary payment details corresponding to the seller information (S405).

When there is a temporary payment details corresponding to the seller information, the intermediary server 30 calculates the temporary payment amount according to the temporary payment details (S407), and transmits an affiliate store subscription approval response to the seller terminal 10 (S409). . The affiliate store subscription approval response may include a temporary payment amount settlement notification indicating that the temporary payment amount corresponding to the temporary payment information has been settled. That is, the intermediary server 30 may transmit at least one of an affiliate store subscription approval response and a temporary payment amount settlement notification to the seller terminal 10.

The intermediary server 30 may settle a temporary payment amount by changing cryptocurrency transaction information corresponding to the seller terminal 10. At this time, the intermediary server 30 generates cryptocurrency transaction information corresponding to the seller terminal 10, and adds temporary payment information between the seller terminal 10 and the buyer terminal 20 to the generated cryptocurrency transaction information. , It is possible to change the cryptocurrency transaction information corresponding to the seller terminal 10.

5 is a flowchart illustrating a real-time transaction method when a subscription is disapproved using a new payment method according to an embodiment of the present invention.

Referring to FIG. 5, when the seller information does not satisfy the affiliate requirement, the intermediary server 30 determines whether there is a temporary payment details corresponding to the seller information (S501).

When there is a temporary payment details corresponding to the seller information, the intermediary server 30 calculates the remaining amount excluding the penalty amount from the temporary payment amount according to the temporary payment details (S503), and disapproves the affiliated store subscription to the seller terminal 10 The response is transmitted (S505). The member store subscription disapproval response may include a remaining amount settlement notification indicating that the remaining amount excluding the penalty amount from the temporary payment amount corresponding to the temporary payment information has been settled. That is, the intermediary server 30 may transmit at least one of an affiliate store subscription disapproval response and a remaining amount settlement notification to the seller terminal 10.

The intermediary server 30 requests account information for real money transaction from the seller terminal 10, and when the account information is received from the seller terminal 10, the account information is used to settle the remaining amount as real money. Can be completed. In this case, the penalty amount may be an amount previously set by an intermediary.

According to the present embodiment, a more normal transaction can be activated by preventing a merchant from joining an affiliate store to use a new payment method of a seller providing abnormal commercial activity as a service.

So far, we have looked at the center of the preferred embodiment for the present invention. Those of ordinary skill in the art to which the present invention pertains will understand that the present invention can be implemented in a modified form without departing from the essential characteristics of the present invention.

Therefore, the disclosed embodiment should be considered from an illustrative point of view, not a limiting point of view. The scope of the present invention is shown in the claims rather than the above description, and the invention claimed by the claims and the inventions equivalent to the claimed invention should be construed as being included in the invention.

1: network
10: seller terminal
20: buyer terminal
30: intermediary server

Claims (10)

In a real-time transaction method with an intermediary server, which is a target of affiliated store subscription, by a seller terminal prior to joining an affiliated store,
Transmitting a request for temporary payment information to the intermediary server;
Receiving a request for seller information and sales information from the intermediary server;
Receiving a user input for seller information and sales information;
Transmitting the seller information and the sales information to the intermediary server;
Receiving temporary payment information from the intermediary server;
Displaying the temporary payment information; And
Receiving temporary payment result information from the intermediary server; including, a real-time transaction method using a new payment method. The method according to claim 1,
Transmitting an affiliate store subscription request including the seller information to the intermediary server; And
Receiving an affiliate store subscription approval response or an affiliate store subscription disapproval response from the intermediary server; further comprising,
The affiliate store subscription approval response includes information notifying that the temporary payment amount corresponding to the temporary payment information has been settled,
The member store subscription disapproval response includes information informing that the remaining amount excluding the penalty amount from the temporary payment amount corresponding to the temporary payment information has been settled, a real-time transaction method using a new payment method. The method according to claim 1,
The temporary payment information request includes at least one of access to a web page provided by the intermediary server, activation of an application provided by the intermediary server, and selection of an unsubscribed merchant payment icon provided through the web page or the application. A real-time transaction method using a new payment method, created by one. The method according to claim 1,
The seller information is identity authentication information performed using identification information of the seller terminal, a real-time transaction method using a new payment method. The method according to claim 1,
The sale information includes at least one of real money amount information and cryptocurrency amount information. A real-time transaction method using a new payment method. The method according to claim 1,
The temporary payment information includes at least one of seller identification information, intermediary identification information, and payment amount information,
The payment amount information includes at least one of real money amount information and cryptocurrency amount information. A real-time transaction method using a new payment method. The method of claim 6,
Displaying the temporary payment information,
Displaying at least one of a QR code and an access address corresponding to the temporary payment information, a real-time transaction method using a new payment method. In a real-time transaction method between a buyer terminal in a subscribed state and a seller terminal in an unsubscribed state, by an intermediary server providing a payment method to a subscribed user,
Receiving a request for temporary payment information from the seller terminal;
Transmitting a request for seller information and sales information to the seller terminal;
Receiving seller information and sales information from the seller terminal;
Generating temporary payment information based on the seller information and the sales information;
Transmitting the temporary payment information to the seller terminal;
Receiving a cryptocurrency payment request based on the temporary payment information from the purchaser terminal;
Completing a cryptocurrency payment according to the cryptocurrency payment request; And
Transmitting temporary payment result information to the seller terminal; including, a real-time transaction method using a new payment method. The method of claim 8,
Receiving a request for joining an affiliate store including the seller information from the seller terminal;
Determining whether the seller information satisfies an affiliate requirement;
When the seller information satisfies the affiliate requirement, determining whether there is a temporary payment details corresponding to the seller information;
If there is a temporary payment details corresponding to the seller information, calculating a temporary payment amount according to the temporary payment details; And
Transmitting at least one of an affiliate store subscription approval response and a temporary payment amount settlement notification to the seller terminal; further comprising, a real-time transaction method using a new payment method. The method of claim 9,
If the seller information does not satisfy the affiliate requirement, determining whether there is a temporary payment details corresponding to the seller information;
If there is a temporary payment detail corresponding to the seller information, calculating the remaining amount except the penalty amount from the temporary payment amount according to the temporary payment detail; And
Transmitting at least one of the affiliated store subscription disapproval response and the remaining amount settlement notification to the seller terminal; further comprising, a real-time transaction method using a new payment means.

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