KR20210002881A - Method and apparatus for servicing payment based cryptocurrency - Google Patents

Abstract

The present invention relates to a method for providing a payment service using a device for providing a cryptocurrency payment service, which manages different transaction accounts and transaction IDs registered in a plurality of cryptocurrency transaction devices, and manages a plurality of payment processing-side electronic wallets for separately managing a plurality of cryptocurrencies, and more particularly, to a method for providing a payment service based on a cryptocurrency of the present invention, which comprises the steps of: receiving a payment request including a specific cryptocurrency, an address of an electronic wallet managing the specific cryptocurrency, and a payment amount from a payment terminal; receiving a current price for the specific cryptocurrency separately received from a plurality of cryptocurrency transaction devices; selecting any one of the cryptocurrency transaction devices on the basis of the received current price; calculating a payment coin of the specific cryptocurrency for the payment amount using the current price received from the selected cryptocurrency transaction device; receiving the payment coin from the address of the electronic wallet received during a payment request using the address of a payment processing-side electronic wallet for managing the specific cryptocurrency in a cryptocurrency payment service providing device; and transmitting a payment completion message to a payment terminal after receiving the remittance.

Description

Method and device for providing payment service based on cryptocurrency {METHOD AND APPARATUS FOR SERVICING PAYMENT BASED CRYPTOCURRENCY}

The present invention relates to a method and apparatus for providing a payment service based on cryptocurrency.

In recent years, the number of subscribers to mobile telephone networks has greatly increased worldwide, and with technological advances and function additions, mobile communication terminals that provide only a simple voice call function have evolved into a medium that provides various types of information and services. As a result of this, a mobile information society is developing, and personal and regional services are becoming more and more important. These "Context-Aware (CA)" mobile phones are used for short range base stations such as shopping malls with low power to provide location-specific information. This information may include regional maps, information about the neighborhood of stores and restaurants. This information is often transmitted for free, but may also be data services for which the user pays (eg, updating a sports score, downloading a new ringing tone on the mobile phone). Payment for these goods and services may be made by conventional methods, such as sending a check or credit card authorization, or by tele-banking or direct debit arrangements, but wireless-links to the user. It has been recognized that an automated payment system can be beneficial.

As described above, in line with the development and spread of mobile communication technology, interest in fin-tech technology is emerging. Fintech encompasses a payment system that combines IT companies and finance, and enables payment with mobile devices without cash or card.

Meanwhile, as interest in blockchain and cryptocurrency has recently increased, cryptocurrency exchanges have been opened by a number of companies, and cryptocurrencies are being traded between users through cryptocurrency exchanges. Also, cryptocurrency is being used for remittance services between individuals.

In response to this interest, research and development are underway to establish a payment system using cryptocurrency online and offline by companies operating cryptocurrency exchanges.

Republic of Korea Patent Publication No. 2017-0056332 (published on May 23, 2017)

The present invention is a method and apparatus for providing a cryptocurrency-based payment service capable of performing payment based on the calculation of the optimal value for the cryptocurrency owned in the user's electronic wallet by interworking with a plurality of cryptocurrency transaction devices. Provides.

In order to solve the above-described problem to be solved, a method of providing a cryptocurrency-based payment service according to an embodiment of the present invention manages different transaction accounts and transaction IDs registered in each of a plurality of cryptocurrency transaction devices, and A method of providing a payment service using a cryptocurrency payment service providing device that manages a plurality of payment processing-side electronic wallets each managing cryptocurrency, comprising: a specific cryptocurrency from a payment terminal, an address of an electronic wallet that manages the specific cryptocurrency And receiving a payment request including a payment amount, receiving a current price for a specific cryptocurrency each received from the plurality of cryptocurrency transaction devices, and any one cryptocurrency based on the received current price Selecting a transaction device, calculating a payment coin for a specific cryptocurrency for a payment amount using the current price received from the selected cryptocurrency trading device, and generating a specific cryptocurrency in the cryptocurrency payment service providing device Receiving the payment coin from the address of the electronic wallet received at the time of the payment request using the address of the electronic wallet of the payment processing side to be managed, and transmitting a payment completion message to the payment terminal after receiving the remittance. I can.

According to an embodiment of the present invention, the payment service providing method includes selling the payment coin by interlocking with the selected cryptocurrency trading device after providing the payment completion message to the transaction account registered in the selected cryptocurrency trading device. It may further include the step of receiving remittance of the amount corresponding to the payment coin.

According to an embodiment of the present invention, the payment service providing method pays based on the address of the electronic wallet received from the user terminal connected to the device for registering the service and the type of cryptocurrency to be used for payment. The method further comprises generating a code and storing it in a recording medium of the user terminal, wherein the payment terminal provides the cryptocurrency payment service for a payment request based on the address of the electronic wallet read from the payment code and the type of cryptocurrency. Can be transferred to the device.

According to an embodiment of the present invention, the step of selecting the cryptocurrency trading device includes exchange rate information between the currency of the country requesting payment provided from an external exchange rate information providing server and the currency used for the transaction by the plurality of cryptocurrency trading devices. Converting each of the received current prices into currency units used in the transaction by the plurality of cryptocurrency trading devices based on, and selecting one of the converted current prices and transmitting the selected current price It may include the step of selecting a currency trading device.

According to an embodiment of the present invention, in the step of receiving the payment coin, the address of the payment processing side electronic wallet that manages the specific cryptocurrency is transmitted to the terminal in which the address of the received electronic wallet is set to transfer the payment coin. The requesting may include receiving the payment coin from a terminal in which the address of the received electronic wallet is set.

In order to solve the above-described problem to be solved, the apparatus for providing a cryptocurrency-based payment service according to an embodiment of the present invention manages different transaction accounts and transaction IDs registered in each of a plurality of cryptocurrency transaction devices. When a payment request including a specific cryptocurrency, an address of an electronic wallet managing the specific cryptocurrency, and a payment amount is received from a management server managing a plurality of payment processing-side electronic wallets each managing cryptocurrency, and a payment terminal, the After receiving the current price for a specific cryptocurrency each received from a plurality of cryptocurrency trading devices, a cryptocurrency trading device is selected based on the received current price, and the current received from the selected cryptocurrency trading device After calculating a payment coin of a specific cryptocurrency for the amount of payment using the price, the payment processing side electronic wallet that manages the specific cryptocurrency is executed, and the settlement is made using the address of the actual payment processing side electronic wallet. It may include a payment request processing server that receives the payment coin from the address of the electronic wallet received upon request, and transmits a payment completion message to the payment terminal after receiving the remittance.

According to an embodiment of the present invention, after providing the payment completion message, the payment service providing device sells the payment coin by interlocking with the selected cryptocurrency transaction device to the transaction account registered in the selected cryptocurrency transaction device. It may further include an exchange processing server that receives the remittance of the amount corresponding to the payment coin.

According to an embodiment of the present invention, the payment service providing device generates a payment code based on the address of the electronic wallet received from the user terminal connected to the payment service providing device for service registration and the type of cryptocurrency to be used for payment. It further comprises a payment code issuing server for generating and storing it in a recording medium of the user terminal, wherein the payment terminal makes payment based on the address of the electronic wallet and the type of cryptocurrency read from the payment code displayed on the user terminal. You can send the request.

According to an embodiment of the present invention, the payment request processing server is based on exchange rate information between the currency of the country requesting the payment received from an external exchange rate information providing server and the currency used for the transaction by the plurality of cryptocurrency transaction devices. Each of the received current prices is converted into a currency unit used for a transaction by the plurality of cryptocurrency trading devices, and one of the converted current prices is selected to select a cryptocurrency trading device that has transmitted the selected current price. have.

According to an embodiment of the present invention, the payment request processing server transmits the address of the payment processing-side electronic wallet that manages the specific cryptocurrency to the terminal in which the address of the received electronic wallet is set, and requests remittance of the payment coin. In response to this, the payment coin may be remitted from a terminal in which the address of the received electronic wallet is set.

According to the above-described problem solving means of the present invention, by interlocking with a plurality of cryptocurrency transaction devices, calculating the optimal value for the cryptocurrency owned in the user's electronic wallet and then performing payment based on this, cryptocurrency payment It is possible to maximize the user's gains, thereby increasing the payment utilization rate using cryptocurrency.

1 is a network configuration diagram illustrating an overall configuration of a system for providing a payment service based on cryptocurrency according to an embodiment of the present invention.
2 is a block diagram showing an internal configuration of an apparatus for providing a cryptocurrency payment service according to an embodiment of the present invention.
3 is a flowchart illustrating a process of providing a cryptocurrency-based payment service according to an embodiment of the present invention.

Hereinafter, a specific embodiment of the present invention will be described with reference to the drawings. The following detailed description is provided to aid in a comprehensive understanding of the methods, devices, and/or systems described herein. However, this is only an example and the present invention is not limited thereto.

In describing the embodiments of the present invention, when it is determined that a detailed description of a known technology related to the present invention may unnecessarily obscure the subject matter of the present invention, a detailed description thereof will be omitted. In addition, terms to be described later are terms defined in consideration of functions in the present invention and may vary according to the intention or custom of users or operators. Therefore, the definition should be made based on the contents throughout this specification. The terms used in the detailed description are only for describing embodiments of the present invention, and should not be limiting. Unless explicitly used otherwise, expressions in the singular form include the meaning of the plural form. In this description, expressions such as "comprising" or "feature" are intended to refer to certain features, numbers, steps, actions, elements, some or combination thereof, and one or more other than those described. It should not be construed to exclude the presence or possibility of other features, numbers, steps, actions, elements, any part or combination thereof.

Hereinafter, a system and method for providing a cryptocurrency-based payment service will be described with reference to the accompanying drawings.

1 is a network configuration diagram showing the overall configuration of a system for providing a cryptocurrency-based payment service according to an embodiment of the present invention, and a plurality of cryptocurrency transaction devices 100 connected by wired or wireless networks (not shown) , A plurality of payment request-side terminals 120 having an electronic wallet 110 and a cryptocurrency payment service providing device 140 may be included.

The cryptocurrency trading device 100 is an interface through which users can trade cryptocurrencies, such as bitcoin, ethereum, bitcoin cash, ripple, litecoin, dash, neo, etc., for example, a transaction for cryptocurrency trading. It is possible to provide a (purchase and sale) interface, an interface including information related to the current price and change of each cryptocurrency.

In addition, the cryptocurrency transaction apparatus 100 may provide information on the current price for each cryptocurrency at a predetermined time interval or at a request of the apparatus 140 for providing a cryptocurrency payment service.

The cryptocurrency transaction device 100 according to the embodiment of the present invention performs a transaction for a specific cryptocurrency in response to a transaction request from the cryptocurrency payment service providing device 140, and then a coin that requests a transaction for a specific cryptocurrency in response thereto. You can transfer the amount corresponding to to the previously registered trading account.

The payment requesting terminal 120 may have a recording medium (not shown) in which the electronic wallet 110 can be stored as well as interconnected with the other payment requesting terminal 120 through a network. As a user-portable device having at least one processor capable of executing the wallet 110 and a display capable of displaying predetermined information according to a user's manipulation, examples thereof include a smartphone, a PDA, and a mobile phone. have.

The electronic wallet 110 of the payment requesting terminal 120 generates a private key, can generate a public key from the private key, and generates an address with the public key, and the transaction (the authenticity from the special signature created from the private key is Discriminated transaction) can transmit cryptocurrency according to approval, and can share or broadcast transaction information according to the transaction on the blockchain network.

In addition, the electronic wallet 110 may transfer a predetermined cryptocurrency to another electronic wallet, that is, to the payment processing electronic wallet 150 according to the request of the cryptocurrency payment service providing device 140.

Meanwhile, in order to provide a payment service using cryptocurrency, the payment requesting terminal 120 according to an embodiment of the present invention communicates with the payment terminal 160 to the address of the electronic wallet 110 stored in the recording medium. It can be transmitted to 160. Specifically, according to the service subscription of the cryptocurrency payment service providing device 140, for example, the payment service registration using cryptocurrency, the payment requesting terminal 120 may change the address of the electronic wallet 110 and the type of cryptocurrency to be used for payment. A payment code for which a corresponding unique identification value is set, for example, a QR code, a barcode, a predetermined image including a code, etc., is transmitted and stored from the cryptocurrency payment service providing device 140, and according to the user's manipulation, the payment requesting terminal ( 120) may be displayed on the display. In this case, the payment terminal 160 reads the payment code displayed on the display on the payment requesting terminal 120 to extract the address and unique identification value of the electronic wallet 110, and the extracted address and unique identification of the electronic wallet Information such as a value and a payment amount may be transmitted to the apparatus 140 for providing a cryptocurrency payment service to request payment.

In addition, the payment requesting terminal 120 may display the address of the electronic wallet 110 stored in the recording medium on the display according to the user's manipulation. In this case, the payment terminal 160 may request payment by transmitting the address and payment amount of the electronic wallet 110 displayed on the display to the cryptocurrency payment service providing device 140.

As the payment code is read, the payment terminal 160 is read from the payment amount and the payment code. The address of the electronic wallet 110, a unique identification value, and the payment amount are transmitted to the cryptocurrency payment service providing device 140 to request payment. Examples of possible devices include, but are not limited to, a POS terminal and a kiosk.

As the payment request including the address and payment amount of the electronic wallet 110 is received, the cryptocurrency payment service providing device 140 determines the current price for the cryptocurrency managed by the electronic wallet 110 as a plurality of cryptocurrency transaction devices. The cryptocurrency is received from 100, and the current price and payment amount of the selected cryptocurrency trading device 100 are selected after selecting any one cryptocurrency trading device 100 based on the current price for the received cryptocurrency. You can determine the payment coin.

In addition, the cryptocurrency payment service providing device 140 transmits a remittance request for the determined payment coin to the address of the electronic wallet 110 and then sends a payment completion message to the payment terminal as a response, for example, a remittance transaction completion message is received. It can be transmitted to 160. In this case, the remittance request may include the address of the electronic wallet 150 on the payment processing side managed by the cryptocurrency payment service providing device 140 and a coin to be remitted, that is, a payment coin. Accordingly, the electronic wallet 110 of the payment requesting terminal 120 uses the cryptocurrency held in the electronic wallet 110 to manage the cryptocurrency corresponding to the settlement coin by the cryptocurrency settlement service providing device 140 A transaction for transmission to the address of the payment processing-side electronic wallet 150 may be generated and the payment coin may be transmitted to the payment processing-side electronic wallet 150 of the apparatus 140 for providing a cryptocurrency payment service.

Thereafter, the cryptocurrency payment service providing device 140 requests a transaction for the payment coin held in the payment-side electronic wallet 110 based on the transaction ID registered in the selected cryptocurrency transaction device 100, and You can receive the amount of money to the transaction account registered in the transaction ID.

Meanwhile, the apparatus 140 for providing a cryptocurrency payment service may perform authentication for a user as the address of the electronic wallet 110 is received. Specifically, the cryptocurrency payment service providing device 140 is a node in which the electronic wallet 110 is stored, that is, a node constituting a blockchain network including the payment requesting terminal 120 and the cryptocurrency payment service providing device 140 Among them, after requesting the full node to confirm the validity of the address of the electronic wallet 110 through the light node, a response, that is, a result of the validation may be received from the light node to perform authentication. At this time, the light node receives the branch information of the mekle tree including the address state of the electronic wallet 110 from the full node, and compares the received branch information of the mekle tree with the hashes in the entire branch, and the electronic wallet 110 The validity check result of the address of may be transmitted to the apparatus 140 for providing a cryptocurrency payment service.

Whenever a transaction occurs between the electronic wallet 150 on the payment processing side of the cryptocurrency payment service providing device 140 and the electronic wallet 110 in the payment requesting terminal 120, a hash value corresponding to the transaction information is generated, and 1,000 As ∼1,800 pieces of transaction information are generated, a block can be generated by calculating a MerkleTree hash value using a hash value for each transaction information as an input value, and then generating a block hash value based on this. Accordingly, the block may include a block header including a previous block hash value, a Merckley hash value, a software version, a block creation time, a proof-of-work answer value, etc., and a black hash value. Based on value, they can be interconnected to form a blockchain.

In order to provide a payment service as described above, the apparatus 140 for providing a cryptocurrency payment service, as shown in FIG. 2, includes a payment code issuing server 200, a management server 210, and a payment request processing server 220. , An exchange processing server 230 and an authentication server 240, and the like, and may be linked with an external exchange rate information providing server 260.

The payment code issuing server 200 generates a payment code according to a subscription request for a payment service based on cryptocurrency, and then transmits the code to the terminal of the user who requested the subscription, that is, the payment requesting terminal 120. It can be stored on a recording medium. Specifically, the payment code issuing server 200 is based on information received from the payment requesting terminal 120 when a payment service subscription is requested, such as the address of the electronic wallet 110 and the type of cryptocurrency used for payment. After generating the payment code, it may be transmitted to the payment requesting terminal 120 and stored in a recording medium.

In an embodiment of the present invention, the payment code may be an image including a QR code, a barcode, and a predetermined character including a unique identification value corresponding to the address of the electronic wallet 110 and the type of cryptocurrency to be used for payment, and user manipulation Accordingly, it may be displayed in a readable form on a display (not shown) of the user terminal, that is, the payment requesting terminal 120. The displayed payment code may be transmitted to the apparatus 140 for providing a cryptocurrency payment service through a network after information, that is, a unique identification value and an address of the electronic wallet 110 are read by the payment terminal 160.

The management server 210 is for managing different payment processing-side electronic wallet 150 for each cryptocurrency, and may set and manage the payment processing-side electronic wallet 150 by setting different unique identification values. Specifically, the electronic wallet management server 210 stores a plurality of payment processing-side electronic wallets 150 in which different unique identification values are set in the wallet database 250, and the payment processing-side electronic wallet corresponding to the unique identification value 150 may be searched in the wallet database 250 and executed.

In addition, the management server 210 may store and manage transaction accounts and transaction IDs registered in the plurality of cryptocurrency transaction devices 100. Specifically, the management server 210 stores a transaction ID and a transaction account set for signing up for a cryptocurrency transaction service provided by the plurality of cryptocurrency transaction devices 100 in the exchange database 252, and the payment request processing server ( In response to a transaction ID and a transaction account request of the specific cryptocurrency transaction device 100 from 220), information requested by the exchange database 252 may be withdrawn and then provided to the payment request processing server 220.

The payment request processing server 220 may operate according to receiving information corresponding to a specific payment code, that is, an address and a unique identification value of the electronic wallet 110 to select any one of a plurality of exchanges to perform payment.

That is, the payment request processing server 220 selects a cryptocurrency corresponding to the unique identification value as the address and the unique identification value of the electronic wallet 110 read by the payment terminal 160 are received, and the selected cryptocurrency is After receiving the current price for each of the plurality of cryptocurrency trading devices 100, one of the cryptocurrency trading devices 100 may be selected based on the current price for a specific cryptocurrency.

In addition, the payment request processing server 220 interlocks with the management server 210 to execute the payment processing-side electronic wallet 150 corresponding to the selected cryptocurrency, as well as the cryptocurrency provided from the selected cryptocurrency transaction device 100. Calculates a payment coin of cryptocurrency using the current price and payment amount of, and receives the calculated payment coin using the address of the electronic wallet 110 received from the payment terminal 160, and then sends a payment completion message to the payment terminal. It can be transmitted to 160.

On the other hand, the payment request processing server 220 converts each of the current prices received from the plurality of cryptocurrency transaction devices 100 into currency units of the country where the payment request is received, and corresponds to the minimum value among the converted current prices. The cryptocurrency trading device 100 that has transmitted the current price, that is, an exchange can be selected. At this time, the payment request processing server 220 receives exchange rate information between the currency of the country requesting payment and the currency used in the cryptocurrency transaction device 100 through interworking with the external exchange rate information providing server 260, and then based on this. The current price can be converted to the currency unit of the country where payment is requested.

The exchange processing server 230 operates as the payment completion message is transmitted to the payment terminal 160 by the payment request processing server 220, and the transaction of the cryptocurrency transaction device 100 selected by the payment request processing server 220 After receiving the ID from the management server 210, a transaction (ie, sale) for a payment coin may be requested from the selected cryptocurrency trading device 100 for a transaction (ie, sale) using this. Accordingly, the selected cryptocurrency transaction device 100 may transfer the amount corresponding to the payment coin to the transaction account registered as the transaction ID.

The authentication server 240 is a node in which the electronic wallet 110 is stored as the address of the electronic wallet 110 is received from the payment terminal 160, that is, nodes constituting a blockchain network including the payment requesting terminal 120 After requesting the full node to check the validity of the address of the electronic wallet 110 through the light node, a response, that is, a result of the validation may be received from the light node to perform authentication. At this time, the light node receives the branch information of the mekle tree including the address state of the electronic wallet 110 from the full node, and compares the received branch information of the mekle tree with the hashes in the entire branch, and the electronic wallet 110 The validity check result of the address of may be transmitted to the authentication server 240 of the apparatus 140 for providing a cryptocurrency payment service.

In addition, the authentication server 240 may transmit a result of validity check to the payment request processing server 220. Accordingly, the payment request processing server 220 may perform an operation for processing payment.

A process of operating the apparatus 140 for providing a cryptocurrency payment service having the configuration as described above will be described with reference to FIG. 3.

3 is a flowchart illustrating a process of providing a cryptocurrency-based payment service according to an embodiment of the present invention.

As shown in FIG. 3, first, as the payment code issuing server 200 receives a subscription request for a cryptocurrency-based payment service (S300), a unique identification value corresponding to the type of cryptocurrency to be used for payment received at the time of the subscription request, and After generating a payment code using the address of the electronic wallet 110, it is transmitted to the terminal requesting subscription, that is, the payment requesting terminal 120, and stored in the recording medium of the payment requesting terminal 120 (S302).

Thereafter, as the payment code displayed on the display of the payment requesting terminal 120 is read (S304) by the payment terminal 160 according to the user's manipulation, the payment terminal 160 is the payment amount, the read electronic wallet 110 ) And transmits the unique identification value to the cryptocurrency payment service providing device 140 (S306).

Accordingly, the cryptocurrency payment service providing device 140 receives the current price for the cryptocurrency corresponding to the unique identification value, respectively, from the plurality of cryptocurrency transaction devices 100 (S308), based on the received current price. Any one cryptocurrency transaction device 100 is selected (S310).

Thereafter, the cryptocurrency payment service providing device 140 calculates a payment coin to be remitted from the electronic wallet 110 using the current price and payment amount received from the selected cryptocurrency transaction device 100 (S312), and uniquely identifies The payment processing side electronic wallet 150 that manages the cryptocurrency corresponding to the value is executed to receive payment coins from the electronic wallet 110 (S314). That is, the cryptocurrency payment service providing device 140 transmits the address of the payment processing-side electronic wallet 150 to the payment requesting terminal 120 to request remittance for the payment coin, and in response thereto, the payment requesting terminal (120) The cryptocurrency corresponding to the payment coin is remitted from the electronic wallet 110 to the electronic wallet 150 on the payment processing side.

Then, the cryptocurrency payment service providing device 140 generates a payment completion message and transmits it to the payment terminal 160 (S316), and then uses the transaction ID of the selected cryptocurrency transaction device 100 Request a transaction (S318). Accordingly, the selected cryptocurrency transaction device 100 transfers the amount corresponding to the payment coin to the transaction account registered as the transaction ID based on the current price of the cryptocurrency (S320).

According to the embodiment of the present invention, it has been described for example that payment is performed according to the reading of the payment code, but the payment terminal (or input) according to the address reading (or input) of the electronic wallet 110 in the payment requesting terminal 120 160) may request payment from the apparatus 140 for providing a cryptocurrency payment service by transmitting the address of the electronic wallet 110. In this case, the cryptocurrency payment service providing device 140 selects a cryptocurrency managed by the electronic wallet 110 based on the address of the electronic wallet 110, and performs the steps after S308 based on the selected cryptocurrency. I can.

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

The scope of the present invention is indicated by the claims to be described later rather than the detailed description, and all changes or modified forms derived from the meaning and scope of the claims and their equivalent concepts should be interpreted as being included in the scope of the present application. .

100: cryptocurrency trading device
110: electronic wallet
120: payment requesting terminal
140: cryptocurrency payment service providing device
150: payment processing side electronic wallet
160: payment terminal

Claims (10)

Provides a payment service using a cryptocurrency payment service providing device that manages different transaction accounts and transaction IDs registered in each of a plurality of cryptocurrency transaction devices, and manages a plurality of payment processing electronic wallets that each manage a plurality of cryptocurrencies In the way,
Receiving a payment request including a specific cryptocurrency, an address of an electronic wallet that manages the specific cryptocurrency, and a payment amount from a payment terminal; and
Receiving a current price for a specific cryptocurrency each received from the plurality of cryptocurrency transaction devices,
Selecting any one cryptocurrency trading device based on the received current price,
Calculating a payment coin for a specific cryptocurrency for a payment amount using the current price received from the selected cryptocurrency transaction device;
Receiving the payment coin from the address of the electronic wallet received at the time of the payment request using the address of the payment processing side electronic wallet that manages a specific cryptocurrency in the cryptocurrency payment service providing device;
After receiving the remittance, the method of providing a payment service based on cryptocurrency comprising transmitting a payment completion message to the payment terminal.
The method of claim 1,
The payment service providing method,
After providing the payment completion message, selling the payment coin in connection with the selected cryptocurrency trading device to receive remittance of an amount corresponding to the settlement coin to a trading account registered in the selected cryptocurrency trading device. A method of providing cryptocurrency-based payment services.
The method of claim 1,
The payment service providing method,
Generating a payment code based on the type of cryptocurrency to be used for payment and the address of the electronic wallet received from the user's terminal connected to the cryptocurrency payment service providing device for service registration and storing it in the recording medium of the user's terminal It further includes,
The payment terminal,
A method of providing a cryptocurrency-based payment service for transmitting a payment request to the cryptocurrency payment service providing device based on an address of an electronic wallet read from the payment code and a type of cryptocurrency.
The method of claim 1,
The step of selecting the cryptocurrency trading device,
The plurality of cryptocurrency trading devices determine each of the received current prices based on exchange rate information between the currency of the country requesting payment provided from an external exchange rate information providing server and the currency used for the transaction by the plurality of cryptocurrency trading devices. Converting into currency units used in the transaction, and
And selecting any one of the converted current prices and selecting a cryptocurrency transaction device to which the selected current price is transmitted.
The method of claim 1,
The step of receiving the payment coin is transferred,
Sending the address of the payment processing side electronic wallet that manages the specific cryptocurrency to a terminal in which the address of the received electronic wallet is set to request remittance for the payment coin;
A method for providing a cryptocurrency-based payment service comprising the step of receiving the payment coin from a terminal in which the address of the received electronic wallet is set.
A management server that manages different transaction accounts and transaction IDs registered in each of the plurality of cryptocurrency transaction devices, and manages a plurality of payment processing-side electronic wallets each managing a plurality of cryptocurrencies;
When a payment request including a specific cryptocurrency, an address of an electronic wallet that manages the specific cryptocurrency, and a payment amount is received from the payment terminal, the current price for the specific cryptocurrency received from the plurality of cryptocurrency transaction devices is received. Then, based on the received current price, any one cryptocurrency trading device is selected, and a payment coin for a specific cryptocurrency for the amount of payment is calculated using the current price received from the selected cryptocurrency trading device. In addition to executing the payment processing-side electronic wallet that manages cryptocurrency, the payment coin is remitted from the address of the electronic wallet received at the time of the payment request using the address of the actual payment processing-side electronic wallet, and after receiving the transfer Cryptocurrency-based payment service providing apparatus comprising a payment request processing server for transmitting a payment completion message to the payment terminal.
The method of claim 6,
The payment service providing device,
After providing the payment completion message, an exchange processing server that sells the payment coin by interlocking with the selected cryptocurrency transaction device to transfer the amount corresponding to the payment coin to the transaction account registered in the selected cryptocurrency transaction device is further provided. A cryptocurrency-based payment service providing device that includes.
The method of claim 6,
The payment service providing device,
Payment in which a payment code is generated based on the address of the electronic wallet received from the user terminal connected to the payment service providing device for service registration and the type of cryptocurrency to be used for payment, and then stored in the recording medium of the user terminal It further includes a code issuing server,
The payment terminal,
A cryptocurrency-based payment service providing device that transmits a payment request based on an address of an electronic wallet and a type of cryptocurrency read from the payment code displayed on the user's terminal.
The method of claim 6,
The payment request processing server,
The plurality of cryptocurrency trading devices determine each of the received current prices based on exchange rate information between the currency of the country requesting payment provided from an external exchange rate information providing server and the currency used for the transaction by the plurality of cryptocurrency trading devices. A cryptocurrency-based payment service providing device that converts into a currency unit used for a transaction, selects any one of the converted current prices and transmits the selected current price.
The method of claim 6,
The payment request processing server,
A terminal in which the address of the received electronic wallet is set in response to a request for remittance of the payment coin by transmitting the address of the payment processing side electronic wallet that manages the specific cryptocurrency to the terminal in which the address of the received electronic wallet is set A cryptocurrency-based payment service providing device that receives the payment coin from

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