KR20200143192A - System for transacting electronic money including pay - Google Patents

Abstract

Disclosed is a system for transacting electronic money which can provide users with a transaction environment between the electronic money and virtual money. The system for transacting electronic money comprises a main server including a communication unit which transmits and receives data from an exchange server, a user terminal, and a used place terminal through a network, and a processing unit which provides users with payment, exchange, transfer, shopping, and load services through the electronic money owned by the user based on data received from the exchange server, the user terminal, and the used place terminal.

Description

Electronic money trading system including Pay {SYSTEM FOR TRANSACTING ELECTRONIC MONEY INCLUDING PAY}

The present invention relates to an electronic money transaction system.

Recently, transactions through the Internet have been actively carried out, and in electronic commerce, electronic payment technology using a credit card or electronic money has been introduced.

In particular, in today's market economy, online direct purchases and reverse direct purchases are showing a tremendous amount of transaction growth, which causes many obstacles for domestic operators to enter China because it is difficult to seamlessly link international remittance and payment systems. This is a trend that the use rate of electronic money in China for electronic payment is gradually increasing rather than the peculiarity of international currency, and the service and technology implemented to support it are insufficient. It is caused by obstacles in construction, and is a major barrier to entry into China overall. However, if China's generalized electronic money is used to secure accessibility as well as the excellence of payment for Chinese consumers, it is expected that it will be a big basis for making entry into China easier and securing a successful entry bridge.

In addition, the FTA with China is expected to gradually expand the market and bring more imports and exports. However, in order for us to become more active in market expansion and demand creation, we believe that international payments will be activated only when an international remittance and payment system applied with an escrow function is implemented through a partnership with a domestic bank based on Pay.

The present invention provides an environment for transacting electronic money, Pay, and provides an electronic money transaction system capable of providing asset management, payment, currency exchange, transfer, shopping and loan services to users through electronic money owned by the user. It aims to do.

Another object of the present invention is to provide an electronic money transaction system capable of providing a user with a transaction environment between electronic money and the virtual money.

Meanwhile, the technical problems to be achieved in the present invention are not limited to the technical problems mentioned above, and other technical problems that are not mentioned are clearly to those of ordinary skill in the technical field to which the present invention belongs from the following description. It will be understandable.

The electronic money transaction system according to an embodiment of the present invention is owned by a user based on data received from an exchange server, a user terminal, and a destination terminal and a communication unit that transmits and receives data through a network, and the exchange server, the user terminal, and the destination terminal. A processing unit for providing a user with payment, currency exchange, transfer, shopping and loan services through electronic money; Includes.

In addition, the exchange server may provide a user with an environment in which electronic money including pay is traded.

In addition, a transaction application linked to an exchange server may be installed in the user terminal.

In addition, the exchange server is an environment in which blockchain-based virtual currency is traded and

A transaction environment between the electronic money and the virtual money may be provided to a user.

In addition, when requesting a transaction for a product through the electronic money owned by the user terminal, the user terminal provides the product to the user, receives the electronic money from the user terminal, and the processing unit receives the electronic money when requested by the user terminal. Electronic money can be converted into real money and provided.

In addition, when requesting a transaction for a product through the electronic money owned by the user terminal, the user terminal provides a product to the user, receives real money from the main server, and the processing unit of the main server, the product transaction The electronic money corresponding to the value of the product may be withdrawn from the user terminal at a time point, and the real money corresponding to the value of the product may be delivered to the user terminal at the time of the product transaction.

In addition, the processing unit, upon receiving the loan application information from the user terminal owning the electronic money, proceeds with a seven-step loan review, and if the loan is approved, the effective real money among the investments received from a plurality of investors is sent to the user terminal. Can provide.

In addition, a messenger is installed in the transaction application, and when the user terminal recognizes a preset keyword in a messenger conversation in which the user participates, the keyword recognition can be used as a trigger command to proceed with a P2P transaction event between at least two user terminals. have.

According to an embodiment of the present invention, it is possible to provide an environment for transacting electronic money, Pay, and to provide users with asset management, payment, currency exchange, transfer, shopping and loan services through electronic money owned by the user. .

Further, according to an embodiment of the present invention, it is possible to provide a user with a transaction environment between electronic money and the virtual money.

On the other hand, the effects obtainable in the present invention are not limited to the above-mentioned effects, and other effects not mentioned will be clearly understood by those of ordinary skill in the art from the following description. I will be able to.

1 is an exemplary diagram schematically showing an electronic money transaction system according to an embodiment of the present invention,
2 is a block diagram schematically showing the configuration of a main server in the electronic money transaction system according to an embodiment of the present invention,
3 is an exemplary view showing a process of managing a user's assets using an electronic money transaction system according to an embodiment of the present invention.
4 is an exemplary view showing a process of providing a remittance, currency exchange, or withdrawal service through an electronic money of a user using an electronic money transaction system according to an embodiment of the present invention,
5 is an exemplary diagram showing a process of providing a loan service through an electronic money of a user using an electronic money transaction system according to an embodiment of the present invention,
6 is an exemplary view showing a process of providing a payment and shopping service through electronic money of a user using an electronic money transaction system according to an embodiment of the present invention.
7 and 8 are exemplary diagrams showing a screen of a transaction application running on a user terminal in an electronic money transaction system according to an embodiment of the present invention.
9 is an exemplary view showing a process of providing a debit card provided to a user using an electronic money transaction system according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in more detail with reference to the accompanying drawings. The embodiments of the present invention may be modified in various forms, and the scope of the present invention should not be construed as being limited to the following embodiments. This embodiment is provided to more completely describe the present invention to those with average knowledge in the art. Therefore, the shape of the element in the drawings has been exaggerated to emphasize a clearer description.

The configuration of the invention for clarifying the solution to the problem to be solved by the present invention will be described in detail with reference to the accompanying drawings based on a preferred embodiment of the present invention, but the same in assigning reference numerals to the components of the drawings For the components, even if they are on different drawings, the same reference numerals are given, and it should be noted in advance that components of other drawings may be referred to when necessary when describing the drawings.

1 is an exemplary diagram schematically showing an electronic money transaction system according to an embodiment of the present invention, and FIG. 2 is a block diagram schematically showing a configuration of a main server in an electronic money transaction system according to an embodiment of the present invention .

First, referring to FIGS. 1 and 2, an electronic money transaction system according to an embodiment of the present invention may include an exchange server, a main server, a user terminal, and a destination terminal.

The exchange server may provide an environment in which electronic money including Pay is traded and an environment in which blockchain-based virtual currency is traded to users.

A user may access an exchange server through a transaction application installed in a user terminal or a web to transact electronic money or virtual money, or may transact electronic money or virtual money through a user terminal driven in the user terminal.

Here, the exchange server may provide a user with a transaction environment between the electronic money and the virtual money.

That is, the user may purchase or sell electronic money and virtual money with his or her own cash through the exchange server to convert it into cash.

Here, the electronic money is a currency licensed for issuance by law, is a legal currency that is stable and secured with money protection, and includes a plurality of pays named Kakao Pay, Samsung Pay, Google Pay, Ali Pay, WeChat Pay, etc. I can.

In the following, electronic money may be used interchangeably with Pay.

Electronic money can meet common electronic purse specifications.

On the other hand, electronic money is divided into an IC card type and a network type according to how the monetary value is stored. IC card type electronic money is called electronic wallet type electronic money. Part of the bank deposit is transferred electronically to an IC card and paid out like cash through a terminal. Such IC card type electronic money cannot be used in electronic commerce unless it is compatible with the network type.

Network-type electronic money is a payment method that is stored in a virtual bank or on a customer's computer connected to the Internet and used for payment through a public communication network when necessary, and is divided into cash, credit card, and check types. With the recent development of e-commerce, network-type electronic money is attracting more attention, and IC-type and network-type electronic money are also integrated. There is also a digital cache method that makes this payment method completely possible on the network.

Virtual currency is a virtual currency that can be mined or traded using a predetermined cryptographic technique regardless of the ticketing power of a specific country, unlike common currency that is issued by a central bank in each country and paid for goods or services offline. Collectively.

Most of these virtual currencies are based on blockchain technology, but unlike the prior art where financial transaction records are managed by a central server, there is no centrally managed system, and when transactions are made while sharing transaction details with all users. It is a method to prevent counterfeiting by contrasting each.

Cryptocurrencies such as Bitcoin, Ethereum, and Ripple are all based on blockchain technology, and the blockchain sends transaction details to all users participating in the transaction, and checks it every time a transaction occurs to prevent forgery of data.

Here, a block means a form in which various transaction information is collected, and double payment and forgery are prevented through this block.

Meanwhile, in the exchange server, transactions between electronic money and virtual money, transactions between electronic money and electronic money, transactions between virtual money and virtual money, transactions between electronic money and real money, and transaction environments between virtual money and virtual money To the user.

On the other hand, in the exchange server, the exchange's own electronic money and the exchange's own virtual currency to be set as the base currency can be set, or can be established through the mainnet.

For example, when a user conducts a transaction through the exchange's own electronic money and the exchange's own virtual currency, the user may receive benefits such as reduction of fees and payment of points.

The main server is interlocked with the exchange server, and can provide the user with asset management, payment, currency exchange, transfer, shopping and loan services through electronic money owned by the user.

Meanwhile, the main server may include a communication unit and a processing unit.

The communication unit may transmit and receive data by interworking with the user terminal, the destination terminal, and the exchange server through a network.

The processing unit can process asset management, payment, exchange, transfer, shopping and loan services through electronic money owned by the user based on data transmitted and received from the user terminal, the destination terminal, and the exchange server, and provide the result to the user terminal. .

3 is an exemplary view showing a process of managing a user's assets using an electronic money transaction system according to an embodiment of the present invention.

For example, referring to FIG. 3, the processing unit of the main server may collect and process information of a user subscribed to an exchange server, collect and manage information on investment destinations, and manage the user's assets by matching it. .

That is, through asset management, the processing unit can create individual and multiple profits by activating the use of exchanges, collect and process online information, and introduce an asset management system used in insurance, stocks and banks.

In addition, the asset management system, such as cloud funding and P2P loan, manages assets by providing customized information tailored to the user, and the success fee through investment is the profit of the company operating the main server. By switching to, the operating company can generate revenue.

In addition, the processing unit can provide user-customized information through the user terminal based on the user's information, and provide investment destinations suitable for the user's finances and purposes, thereby investing user assets in cloud funding, P2P loans, and the like.

Here, the processing unit may convert success fees through investment into profits of the system operating company.

In one example, the processing unit may select an investment destination and determine an investment timing according to a preset algorithm and criteria.

In addition, in another example, after the processing unit first selects an investment destination according to a preset algorithm and standard and decides the investment timing, a final investment approval may be requested from an arbitrary group of experts, and a majority of the expert group Upon approval, the processing department can decide on the investment based on the final investment approval.

4 is an exemplary view showing a process of providing a remittance, currency exchange, or withdrawal service through an electronic money of a user using an electronic money transaction system according to an embodiment of the present invention.

In addition, referring to FIG. 4, the processing unit may provide remittance, currency exchange, and withdrawal services by improving authentication and security of electronic money owned by a user using an encryption technique, and matching consumers between countries.

The processing unit can exchange the required currency by matching consumers between countries through the pairing technique.

For example, a user who wishes to exchange dollars for won and a user who wishes to exchange dollars for dollars can be matched in real time to exchange currency with each other.

Here, the processing unit approves the currency exchange through encryption, receives the electronic signature information of each of the at least two users who wish to exchange the currency afterwards, determines whether each electronic signature is forged, and, if there is no abnormality, approves the mutual remittance. You can complete the remittance.

Here, each user may pay the fee for currency exchange with electronic money owned by the user, and the processing unit may convert the currency exchange fee to the profit of the system operating company.

In addition, the processing unit may collect a plurality of small remittances and process them as one remittance through the pooling technique.

In this way, it is possible to reduce individual fees by dividing the fees incurred from remittance into multiple people.

In addition, the processing unit can offset and settle the transaction details for each agency through the Netting technique.

Here, Netting provides a foreign currency remittance service with the concept of offsetting the money to be sent and the money received. It is a legal remittance method that replaces illegal remittance, and has the advantage of enabling fast remittance while minimizing costs.

5 is an exemplary view showing a process of providing a loan service through an electronic money of a user using an electronic money transaction system according to an embodiment of the present invention.

In addition, referring to FIG. 5, the processing unit uses electronic money owned by the user as collateral, and loans the user with real money (cash) of approximately 70% of the value of the electronic money at the time of loan based on the user's credit information. Can provide loan services.

Here, among the electronic money owned by the user, the electronic money secured on the loan may be locked, so that the user cannot arbitrarily sell until the loan expiration date.

In addition, if the loan is not paid in full at the loan maturity time, the electronic money secured by the security may be arbitrarily sold by the processing unit to process the loan.

On the other hand, the processing unit receives the loan application information of a specific user who owns electronic money, inquires the loan credit of the specific user, determines information such as the loan amount, repayment method, and purpose of the loan in the loan application information, and allows a loan. You can decide whether or not.

In addition, the processing unit may automatically calculate the interest according to the loan according to the interest determination algorithm and notify the user.

After that, the processing unit can proceed with user loan review through seven steps including NICE credit rating review, financial appraisal review, debt information review, personal & corporate information review, supporting document review, self-credit score review, and self-assessment review. .

Thereafter, the processing unit can post P2P investor recruitment for loan cases of specific users that have passed the loan examination, recruit online investors, and provide appropriate compensation to online investors.

Here, the appropriate compensation may be electronic money operating in the system.

6 is an exemplary view showing a process of providing a payment and shopping service through an electronic money of a user using an electronic money transaction system according to an embodiment of the present invention.

In addition, referring to FIG. 6, the processing unit may provide a payment service in cooperation with a shopping mall or a company that provides life services to receive products or services provided by the corresponding company through electronic money owned by the user. .

Here, the payment service is targeted at various user groups between P2P, O2O, B2C, and B2B, by recognizing the value of the user's electronic money or extra points acquired through a specific event or transaction as a product, and using it as it is. You can purchase travel services from

Here, such a payment service is not a profit module for making profits to the main server operating company, but as an event for attracting and promoting members, and the product or service provided to the affiliated company may be the lowest among the amounts traded online or offline. .

On the other hand, the affiliated company may own the terminal to be used, provide goods or services to the user, and receive electronic money from the user upon payment through electronic money owned by the user. In addition, fees for transactions can be compensated on the main server side.

Thereafter, when a user terminal requests exchange of electronic money, the processing unit may convert the requested electronic money into real money and provide it.

7 and 8 are exemplary diagrams showing screens of a transaction application running in a user terminal in an electronic money transaction system according to an embodiment of the present invention.

In addition, referring to FIG. 7, a user may access an exchange server through a transaction application of a user terminal to perform a transaction he or she desires, and check his or her transaction details on the transaction application.

Also, referring to FIG. 8, a transaction application for using an electronic money transaction system is installed in a user terminal, and a messenger function capable of chatting between users may be provided in the transaction application.

Here, the messenger can be provided with real-time translation, so that anyone in the world can communicate without language barriers.

Meanwhile, the user can access the exchange server through the transaction application to perform the above-described transaction, as well as perform the P2P transaction through a messenger provided in the transaction application.

Here, the processing unit may provide a transaction arbitration service in a P2P transaction.

For example, when a first user and a second user perform a transaction on a messenger, the processing unit receives electronic money from the first user and receives real money from the second user, and when the deposit between the two users is completed, the first user Real money may be paid to the user and electronic money may be paid to the second user.

Meanwhile, the user terminal may conduct a P2P transaction through a specific keyword input or output on the messenger.

For example, the user terminal can be arbitrarily set by a user and a specific keyword preset in the transaction application.

When the user terminal recognizes a preset specific keyword from the conversation recorded in the messenger, it can trigger a P2P transaction based on the keyword, and when the trigger is executed, it can then proceed with the P2P transaction between the two users.

That is, when a messenger is installed in the transaction application, and the user terminal recognizes a preset keyword in a messenger conversation in which the user participates, the keyword recognition can be used as a trigger command to perform a P2P transaction event between at least two user terminals.

9 is an exemplary view showing a process of providing a debit card provided to a user using an electronic money transaction system according to an embodiment of the present invention.

Also, referring to FIG. 9, the electronic money transaction system may provide a debit card to a user.

The processing unit may set a membership level for exchange members based on transaction details, and may provide a debit card for higher level users.

Through a debit card, a user can withdraw cash from an ATM by converting electronic money or virtual money owned in his electronic wallet into real money, and can conduct transactions at an online or offline affiliate store.

Here, the debit card provided to the user may have a fee set to zero, and when the user conducts a transaction with a debit card at a specific affiliated store, electronic money in the name of the fee may be accumulated at the affiliated store through the affiliated store terminal.

The electronic money accumulated in the affiliated store terminal may be converted into real money and paid at the point of request of the affiliated store.

On the other hand, users who have been issued a debit card can make payments online/offline at all stores around the world, and even if they do not have a bank account, they can trade real products through their own electronic money or virtual currency.

Here, in the process of converting the electronic money or virtual money owned by the user into the real money, the real-time market price of the electronic money or virtual money must be reflected.

Here, it is preferable that the virtual currency used for conversion to real money is a key currency with very small value fluctuation, and it is preferable that it is an electronic money with little fluctuation in value.

In particular, for electronic money operated by the system, the risk of value fluctuations can be borne by the company operating the system.

For example, for a specific user who conducts a transaction using a debit card, the electronic money corresponding to the transaction amount of the product can be withdrawn from the user's wallet and deposited on the main server at the time of transaction. Real money can be delivered from the main server side to the seller side.

Through this, by reflecting the market price based on a specific transaction point, the user can use the electronic money owned by him/her for a transaction like real money.

The detailed description above is illustrative of the present invention. In addition, the above description shows and describes preferred embodiments of the present invention, and the present invention can be used in various other combinations, modifications and environments. That is, changes or modifications may be made within the scope of the concept of the invention disclosed in the present specification, the scope equivalent to the disclosed contents, and/or the skill or knowledge of the art. The above-described embodiments describe the best state for implementing the technical idea of the present invention, and various changes required in the specific application fields and uses of the present invention are possible. Therefore, the detailed description of the invention is not intended to limit the invention to the disclosed embodiment. In addition, the appended claims should be construed as including other embodiments.

Claims (8)

A communication unit that transmits and receives data to and from an exchange server, a user terminal, and a destination terminal through a network, and
A main server including a processing unit that provides payment, currency exchange, transfer, shopping and loan services through electronic money owned by the user based on data received from the exchange server, the user terminal and the user terminal; Electronic money transaction system comprising a.
The method of claim 1,
The exchange server is an electronic money transaction system that provides a user with an environment in which electronic money including pay is traded.
The method of claim 2,
An electronic money transaction system in which a transaction application linked to an exchange server is installed in the user terminal.
The method of claim 3,
The exchange server is an environment in which blockchain-based virtual currency is traded and
An electronic money transaction system that provides a user with a transaction environment between the electronic money and the virtual money.
The method of claim 4,
When requesting a transaction for a product through the electronic money owned by the user terminal, the user terminal provides the product to the user and receives the electronic money from the user terminal,
An electronic money transaction system that converts the electronic money into real money when the processing unit requests it from a user terminal.
The method of claim 4,
When the user terminal requests a transaction for a product through the electronic money owned by the user terminal, the user terminal provides the product to the user and receives the real money from the main server,
The processing unit of the main server,
Withdrawal from the user terminal electronic money corresponding to the value of the product at the time of product transaction,
An electronic money transaction system for delivering real money corresponding to the value of the product to the user terminal at the time of the product transaction.
The method of claim 1,
The processing unit,
Upon receiving the loan application information from the user terminal that owns the electronic money, it proceeds to the 7th step loan review,
When the loan is approved, an electronic money transaction system that provides the user terminal with effective real money among investment funds invested by a plurality of investors.
The method of claim 3,
A messenger is installed in the transaction application,
The user terminal,
When recognizing a preset keyword in the messenger conversation in which the user participated,
An electronic money transaction system that performs a P2P transaction event between at least two user terminals by using the keyword recognition as a trigger command.

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