KR20210034227A - Apparatus and Method for mediating Online deal based on Smart Contract - Google Patents

Abstract

A smart contract-based online transaction intermediation device according to an embodiment disclosed in the present document comprises: a communication circuit capable of communicating with a buyer terminal, a seller terminal, and a transaction platform server; a memory for storing instructions for executing a smart contract; and a processor operatively coupled to the communication circuit and the memory. When executed, the smart contract allows the processor to remit a coin corresponding to a transaction amount from among coins deposited in a wallet address of a buyer to a wallet address of a seller when receiving a coin remittance request including the transaction amount related to goods transaction, the wallet address of the buyer, and the wallet address of the seller from the buyer terminal, wherein the remitted coins are limited in withdrawal, to store delivery information in a blockchain including the memory when receiving a request for registration of delivery information related to the goods transaction from the seller terminal or the transaction platform server, and to release the withdrawal restrictions of the remitted coins when a goods purchase decision related to the delivery information is received from the buyer terminal. In summary, the ″smart contract-based online transaction intermediation device″ can provide escrow services provided by banks or financial institutions with relatively low cost and high efficiency.

Description

Apparatus and Method for mediating Online deal based on Smart Contract}

Various embodiments disclosed in this document relate to a distributed online transaction brokerage technology using a smart contract-based blockchain.

E-commerce can take place not only in the online marketplace, but also in the online community. The former online market server can guarantee safe electronic commerce by intermediating transactions so that the product price is paid after delivery of the product. However, since the latter online community server is for online meetings, it does not mediate electronic commerce, and thus individual transactions through the community have a high risk of damage to consumers. Accordingly, the online community server additionally provides an escrow service to prevent damage to transactions between individuals. The escrow service server can ensure safe electronic commerce by storing the product price of the buyer who selected the brokerage service through the online community, and paying the seller when the product delivery related to the brokerage service is completed.

However, since the escrow service server is a centralized system that connects with a financial system (eg, a bank) and all transactions go through the service provider's server, the development and maintenance cost of the provider, its own processing load, and system complexity may be high. For example, escrow services involve banks or financial institutions to ensure the reliability of sellers and buyers. In the case of linking with a bank, it is possible to obtain a complicated procedure and approval to link the system, and its functions are limited. Moreover, it is more complicated and time consuming when the countries of the seller and the buyer are different. In general, when transferring money from country A to country B, it takes a lot of money transfer fees and time (about 3 to 7 days) because it goes through a bank or a remittance company. In the case of banks, since money is transferred between countries through a SWIFT (society for worldwide interbank financial telecommunication) network, it may take a lot of time and money in the process of exchanging and settling money.

Various embodiments disclosed in this document may provide a smart contract-based online transaction intermediary device and method that can increase the safety of online transactions by using a smart contract-based blockchain.

According to an embodiment disclosed in the present document, a smart contract-based online transaction intermediary device includes: a communication circuit capable of communicating with a buyer terminal, a seller terminal, and a transaction platform server; A memory for storing an instruction for executing a smart contract; And a processor functionally connected to the communication circuit and the memory, wherein the smart contract, when executed, the processor includes a transaction amount related to a product transaction from the buyer terminal, a buyer's wallet address, and a seller's wallet address. Upon receiving a request for remittance of coins, a coin corresponding to the transaction amount is transferred from among the coins deposited in the purchaser's wallet address to the seller's wallet address, and the withdrawal of the transferred coin is restricted, and the seller terminal or Upon receiving a request for registration of delivery information related to the product transaction from the transaction platform server, delivery information is stored in a block chain including the memory, and when a product purchase decision related to the delivery information is received from the purchaser terminal, the remittance It is possible to lift the withdrawal restrictions of the coins.

In addition, the online transaction brokerage method by the online transaction brokerage device according to an embodiment disclosed in this document provides a coin remittance request including a transaction amount related to a product transaction, a buyer's wallet address, and a seller's wallet address from a buyer terminal. Upon receipt, remittance of coins corresponding to the transaction amount among coins deposited in the wallet address of the buyer to the wallet address of the seller; The remittance of the remitted coin is restricted in withdrawal, and when delivery information related to the goods transaction is received from a seller terminal or a transaction platform server, storing the delivery information in a block chain; And when a product purchase decision related to the delivery information is received from the purchaser terminal, canceling the withdrawal restriction of the remitted coin.

According to various embodiments disclosed in this document, it is possible to increase the safety of online transactions by using a smart contract-based blockchain platform. In addition to this, various effects that are directly or indirectly identified through this document can be provided.

1 is a diagram illustrating a block chain according to an embodiment.
2 is a block diagram of an online transaction brokerage system according to an embodiment.
3 is a block diagram of a transaction intermediary device according to an embodiment.
4 is a flowchart of a transaction brokering method according to an embodiment.
5 is a detailed flowchart of a method for brokering a transaction determined to be purchased according to an exemplary embodiment.
6 is a detailed flowchart of a transaction brokering method in which a simple change of heart type is determined to be returned, according to an exemplary embodiment.
7 is a detailed flowchart of a transaction brokerage method in which a product defect type of return is determined according to an exemplary embodiment.
8 is a flowchart illustrating a transaction brokerage method according to a delivery problem according to an exemplary embodiment.
9 is a flowchart illustrating a method of brokering a transaction according to a coin remittance problem according to an exemplary embodiment.
In connection with the description of the drawings, the same or similar reference numerals may be used for the same or similar components.

1 is a diagram illustrating a block chain according to an embodiment.

Blockchain, as a protocol of trust, enables the movement of assets between individuals without intermediary of a third party, and can increase the reliability of asset transactions between individuals. Blockchain hashes all transaction records and stores them distributedly in nodes (e.g. computing devices) belonging to the blockchain system, so it is very difficult to forge/modify. Referring to FIG. 1, the block chain adds and stores a confirmed and verified block (transaction record) to the chain, and each block (eg, 110) has a hash value 115 of the previous block. Therefore, in order to forge one transaction recorded in the blockchain, it is necessary to forge all the transaction records of hundreds of thousands or millions of transactions, so the blockchain has a structure (immutability) that is virtually impossible to forge. Information stored in the blockchain can be maintained in the form of a shared and continuously adjusted database (DB). Since the stored blockchain is not a single node, but is distributed across multiple nodes (decentrality), the information stored in the blockchain can be accessed and verified by all users on the Internet (transparency). As such, due to decentralization, transparency, and immutability, the blockchain can safely support the movement of funds between individuals without intermediary by a third party, and can lower transaction costs due to the non-intervention of intermediaries. Therefore, blockchain can be more effective when applied to areas with high intermediate costs.

Blockchains can be programmed to record all valuable information as well as financial transactions. These records can be supported by a blockchain function called a smart contract. Smart contract-based blockchain (e.g., Ethereum) transfers assets or currencies in the form of smart contracts, automatically checks the validity of conditions at a specified time, and the remitted assets or currencies are paid to a specific person, You can apply for a refund. For example, Ethereum can create (or create) smart contracts for transactions between buyers and sellers, and support smart contract-based transactions. In smart contracts, for example, when a buyer sends the transaction amount for an item transaction and stores the transferred transaction amount, the seller sends the transaction item to the buyer, and the buyer sends a digital key to the smart contract, the transaction is made to the buyer. You can send the money.

2 is a block diagram of an online transaction brokerage system according to an embodiment.

Referring to FIG. 2, the online transaction brokerage system 200 according to an embodiment includes a seller terminal 210, a buyer terminal 220, a transaction platform server 230, a delivery company server 240, and a transaction brokerage device 250. ) Can be included.

The seller terminal 210 may include at least one terminal used by a seller of an online transaction. There may be one or more seller terminals 210 used in one transaction. The seller terminal 210 may include a computing device such as a smart phone, a PC, or a smart pad. The seller terminal 210 may register the product in the transaction platform server 230 according to the seller's request, and deposit the coin in the seller's wallet address through the transaction intermediary device 250. The deposited coins may be used to pay a return fee when returning a transaction due to a defect, for example.

The purchaser terminal 220 may include at least one terminal used by a purchaser of an online transaction. There may be one or more seller terminals 210 used in one transaction. The purchaser terminal 220 may include a computing device such as a smart phone, a PC, and a smart pad. The buyer terminal 220 may search for and select an item from the transaction platform server 230 according to the request of the buyer, and transfer a transaction amount related to the selected item to the seller's wallet address through the transaction intermediary device 250.

The transaction platform server 230 may include at least one server that provides an online community service (eg, bulletin board, SNS). The transaction platform server 230 may provide a user interface (eg, a web page) for registering, searching, and selecting a transaction item. For example, when the trading platform server 230 is a server that provides an Internet bulletin board service, the trading platform server 230 registers a post including product information, and searches and selects a post corresponding to a specified keyword. Interface can be provided. The transaction platform server 230 may provide an interface (eg, a menu) for requesting a transaction intermediary service to the transaction intermediary device 250. For example, when the purchaser terminal 220 selects a function menu included in a post including product information, the transaction platform server 230 may call the smart contract of the transaction intermediary device 250 in response thereto. . The transaction platform server 230 may transmit delivery information (eg, invoice number) received from the delivery company server 240 to at least one of the transaction intermediary device 250 and the seller terminal 210. The transaction platform server 230 may transmit the credit information of the seller and the buyer to the transaction intermediary device 250 when the product transaction is terminated.

The delivery company server 240 may generate delivery information related to product delivery requested by the seller terminal 210 and transmit the generated delivery information to the transaction platform server 230. The delivery company server 240 may inform the seller terminal 210 of the completion of delivery of goods related to delivery information. The delivery company server 240 may process a return procedure related to delivery information. The return procedure may include, for example, allocating a return processing task to a delivery person.

The transaction intermediary device 250 may include at least one node constituting a block chain. The transaction intermediary device 250 may store a smart contract that mediates a product transaction between the buyer terminal 220 and the seller terminal 210. When at least one of the seller terminal 210 and the purchaser terminal 220 transmits a transaction brokerage service request (eg, a smart contract-based escrow service request) through the transaction platform server 230, the transaction brokerage device 250 In response to the request, it is possible to provide a transaction brokerage service based on a smart contract. Since the transaction intermediary service is performed by a smart contract implemented by the transaction intermediary device 250, the following document describes the smart contract as a subject for convenience of explanation. The smart contract can transfer coins corresponding to the transaction amount from the buyer's wallet address (or the buyer's account number) to the seller's wallet address by limiting the withdrawal of the coin according to the coin remittance request from the buyer terminal 220. have. The wallet address may be a virtual account number through which coins (cryptocurrency) can be deposited, remitted, or withdrawn. The account number may be an account number of a financial sector (eg, a bank) capable of saving, remittance, or withdrawal of real money. When the smart contract receives delivery information from the seller terminal 210 or the transaction platform server 230, the delivery information may be stored in the blockchain in relation to the remitted coin. Thereafter, the smart contract may process the remitted coins based on a purchase or return decision related to the delivery information received from the buyer terminal 220 or the seller terminal 210. For example, upon receiving a decision to purchase a product related to delivery information from the purchaser terminal 220, the smart contract may release the withdrawal restriction of the coin transferred to the seller's wallet address. For another example, upon receiving a return decision related to delivery information from the seller terminal 210, the smart contract may return at least a portion of the coins remitted to the seller's wallet address to the buyer's wallet address. In this case, the smart contract can deduct the return cost (e.g., round-trip shipping cost) from the buyer's wallet address or the seller's wallet address according to the return type (e.g., simple change of mind, item defect). Thereafter, the smart contract may receive the seller's credit information and the buyer's credit information from the transaction platform server 230, and store the received credit information in the blockchain.

The transaction platform server 230 blocks the credit information of the seller and the buyer through the smart contract 335 after the coin related to the transaction item is settled (for example, remittance, return, or withdrawal restrictions are lifted) by the smart contract 335. Can be written to the chain. For example, when receiving a purchase decision from the purchaser terminal 220, the transaction platform server 230 sets the credit score of the seller and the purchaser to a specified score or higher, and credit information of the seller and the purchaser including the set credit scores. Can be recorded on the blockchain. The transaction platform server 230 may set the seller's credit score downward (for example, set it to a specified score or less) if it checks the seller's problem factors such as a decision to return a defect type of goods or not receiving delivery information after coin remittance. have. The transaction platform server 230 may lower the seller's credit score (for example, set it to a specified score or less) when checking the problem factors of the buyer such as a simple change of mind return decision or non-receipt of a coin prior to registration of delivery information. .

According to the above-described embodiment, the transaction intermediary device 250 can guarantee reliability of financial transactions between individuals and lower intermediate costs without intermediary of a financial institution such as a bank based on a smart contract. In addition, according to the above-described embodiment, since a distributed system is used, system stability and processing speed can be increased.

3 is a block diagram of a transaction intermediary device 300 (eg, a transaction intermediary device 250 of FIG. 2) according to an exemplary embodiment.

Referring to FIG. 3, the transaction intermediary device 300 according to an embodiment may include a communication circuit 310, a memory 320, and a processor 330. In an embodiment, the transaction intermediary device 300 may omit some components or further include additional components. In addition, some of the components of the transaction intermediary device 300 are combined to form a single entity, and functions of the corresponding components prior to the combination may be performed in the same manner.

The communication circuit 310 is between the transaction intermediary device 300 and another device (eg, including at least one of the transaction platform server 230, the seller terminal 210, the buyer terminal 220, and the delivery company server 240). It is possible to support the establishment of a communication channel or a wireless communication channel, and communication through the established communication channel.

The memory 320 may store various data used by at least one component (eg, the processor 330) of the transaction intermediary device 300. The data may include, for example, input data or output data for software (eg, smart contract) and instructions related thereto. For example, the memory 320 may store at least one instruction for executing the smart contract 335. The memory 320 may include a volatile memory or a nonvolatile memory.

The processor 330 may control at least one other component (eg, hardware or software component) (eg, a smart contract) of the transaction intermediary device 300 and perform various data processing or operations. The processor 330 is, for example, a central processing unit (CPU), a graphic processing unit (GPU), a microprocessor, an application processor, an application specific integrated circuit (ASIC), and field programmable gate arrays (FPGA). )), and may have a plurality of cores. The smart contract 335 may support the processor 330 to provide a transaction brokerage service upon execution. The smart contract 335 is executed (or implemented) by the processor 330, but in the following document, for convenience of description, it will be described as if the smart contract 335 is independently executing.

When the smart contract 335 receives a request for a transaction brokerage service from at least one of the seller terminal 210 or the buyer terminal 220, the smart contract 335 may provide a user interface for the transaction brokerage service. The smart contract 335 may provide an interface for at least one of depositing coins, remittance of coins (restricted withdrawal status), and releasing the withdrawal restrictions of remitted coins through the user interface.

The smart contract 335 provides a coin deposit interface for product transaction to the seller terminal 210 and the buyer terminal 220 that requested the transaction brokerage service through the transaction platform server 230, and the seller terminal 210 and the buyer terminal 220 may deposit coins in the wallet address of the seller and the wallet address of the purchaser, respectively, through the provided interface. Coins deposited by the seller may be used to pay for a return fee when returning goods due to defects in goods, for example. Coins deposited by the buyer can be used to pay for the transaction item.

When the smart contract 335 receives a coin remittance request including the transaction amount related to the product transaction, the purchaser's wallet address, and the seller's wallet address from the purchaser terminal 220, the transaction amount is calculated from among the coins deposited in the purchaser's wallet address. The corresponding coin can be remitted to the seller's wallet address with withdrawal restrictions. Coins transferred in the withdrawal restricted state may be restricted withdrawal.

When the smart contract 335 receives a request for registration of delivery information related to a product transaction from the seller terminal 210 or the transaction platform server 230, the smart contract 335 stores the memory 320 in connection with the remitted coin (or transaction). It can be stored in the containing blockchain. For example, when a seller contacts a delivery company to deliver goods to a buyer, and registers delivery information on the transaction platform server 230 through the seller terminal 210, the transaction platform server 230 is a smart contract 335 You can send a request for registration of shipping information to. For another example, a seller may contact a delivery company to deliver an item to a buyer, and transmit a delivery information registration request to the smart contract 335 through the seller terminal 210. As another example, when a seller requests delivery of goods through the transaction platform server 230, the transaction platform server 230 requests delivery of the goods to the delivery company server 240 according to the seller's request, and the delivery company server 240 ), and transmits a delivery information registration request to the smart contract 335.

When a decision to purchase a product related to delivery information is received from the purchaser terminal 220, the smart contract 335 may cancel the withdrawal restriction of the coin remitted to the seller's wallet address. For example, the smart contract 335 may transmit a digital key capable of canceling the withdrawal restriction of the remitted coin to the seller terminal 210. The digital key may be, for example, a key required to convert coins deposited in the seller's wallet address into real money. When the delivery information is registered and the product purchase decision is not received within a specified period (eg, 2 days), the smart contract 335 is transferred to the seller's wallet address even if the product purchase decision is not received from the purchaser terminal 220. You can cancel the withdrawal restriction of coins.

When a return decision related to delivery information is received from the seller terminal 210, the smart contract 335 checks the return type according to the return decision, and determines the total amount of the remitted coin or the coin excluding the return fee according to the return type. You can send money from the wallet address to the buyer's wallet address. For example, when the confirmed return type is the seller's fault, such as a simple change of mind, the smart contract 335 may return the remitted coins, excluding the return fee, to the buyer's wallet address. The smart contract 335 may remit the return fee to the delivery company's wallet address. For another example, the smart contract 335 may return the entire amount of the remitted coin to the buyer's wallet address when the confirmed return type is the seller's fault, such as a defective item. In this case, the smart contract 335 may pay the return cost (eg, round-trip shipping cost) from the seller's wallet address to the delivery company's wallet address (or account number).

The smart contract 335 transmits the at least one request to the seller terminal 210 or the buyer terminal 220 when at least one of the coin remittance request and the delivery information registration request is not received within a specified time period (e.g. : 3 times) Can guide. If at least one request is not received in response to the transmission of the at least one request even after guiding the transmission of the at least one request, the smart contract 335 may determine at least one of cancellation of delivery or cancellation of a transaction. The smart contract 335 may transmit the determined cancellation request to at least one of the transaction platform server 230 and the delivery company server 240 when at least one cancellation is determined. For example, the smart contract 335 remits coins according to the coin remittance request, and if delivery information is not received within a first threshold time (eg, 12 hours), it makes a specified number of times to request delivery information to the seller terminal 210 (Example: 3 times) Can be transmitted. The smart contract 335 may transmit a transaction cancellation request to the transaction platform server 230 if the delivery information is not received within a second threshold time (eg, 6 hours) of the specified number of requests for delivery information. The smart contract 335 may return the coins transferred to the seller's wallet address to the buyer's wallet address. For another example, when the delivery information is received, the smart contract 335 checks the coin remittance record related to the delivery information, and confirms that the coin has not been remitted from the coin remittance record, another The coin remittance request may be transmitted to the purchaser terminal 220 a specified number of times (eg, 3 times). The smart contract 335 transmits another coin remittance request a specified number of times, and if the coin corresponding to the transaction amount is not remitted by the purchaser within a third threshold time (eg, 6 hours), the delivery company server 240 is sent to the product. You can send a request to cancel delivery to The smart contract 335 may be configured to transmit the delivery cancellation request to the delivery company server 240 before the transaction product is delivered from the seller to the purchaser.

The smart contract 335 may inform the transaction platform server 230 of the coin settlement details after completing the coin settlement (eg, canceling the withdrawal limit of the coin, returning at least a portion of the coin). The smart contract 335 may receive credit information of sellers and buyers from the transaction platform server 230 and record the received credit information in the blockchain. In this regard, the transaction platform server 230 determines the credit score of the seller and the buyer based on the coin settlement history, the product purchase decision, and the return decision, and stores credit information of the seller and buyer corresponding to the determined credit score in a smart contract ( 335) can be recorded on the blockchain.

In the above-described embodiment, the case where the coin can be remitted to the seller's wallet address only after the buyer deposits the coin in the buyer's wallet address has been described as an example. However, unlike this, the smart contract 335 may transfer real money from the buyer's financial sector account to the seller's wallet address. In this case, the coin remittance request may include the buyer's account number instead of the buyer's wallet address.

According to the above-described embodiment, the transaction intermediary device 300 can guarantee reliability of financial transactions between individuals and lower intermediate costs without intermediary of a financial institution such as a bank based on a smart contract. In addition, according to the above-described embodiment, since a distributed system is used, system stability and processing speed can be increased.

4 shows a flowchart 400 of a transaction brokering method according to an embodiment.

Referring to FIG. 4, in operation 410, the transaction intermediary device 250 transfers a coin corresponding to the transaction amount among coins deposited in the purchaser's wallet address according to the coin remittance request received from the purchaser terminal 220. You can transfer money with withdrawal restrictions. The coin remittance request may include, for example, a transaction amount related to a product transaction, a buyer's wallet address, and a seller's wallet address.

In operation 420, when the transaction intermediary device 250 receives delivery information related to a product transaction from the seller terminal 210 or the transaction platform server 230, the delivery information may be stored in the blockchain in relation to the remitted coin. For example, a seller contacts a delivery company to deliver an item to a buyer, and delivers it to the smart contract 335 included in the transaction intermediary device 250 through the seller terminal 210 or through the transaction platform server 230 You can send an information registration request. For another example, when a seller requests delivery of goods through the transaction platform server 230, the transaction platform server 230 requests delivery of the goods to the delivery company server 240, and received from the delivery company server 240 A registration request for delivery information may be transmitted to the smart contract 335.

In operation 430, when a decision to purchase a product related to delivery information is received from the purchaser terminal 220, the transaction intermediary device 250 may cancel the withdrawal restriction of the remitted coin. For example, when the transaction intermediary device 250 receives a decision to purchase a product from the purchaser terminal 220, it may transmit a digital key required for withdrawal of the remitted coin to the seller terminal 210.

5 is a detailed flowchart of a method for brokering a transaction determined to be purchased according to an exemplary embodiment.

Referring to FIG. 5, in operation 500, the seller terminal 210 may register transaction item information in the transaction platform server 230. For example, when the transaction platform server 230 provides an Internet bulletin board service, the seller terminal 210 may post product information (eg, product name, price) on the Internet bulletin board for personal transaction.

In operation 505, the purchaser terminal 220 may search for an item desired to be purchased from among the transaction items registered in the transaction platform server 230 and then select it as a transaction item. For example, when the transaction platform server 230 provides an Internet bulletin board service, the buyer searches for a post including desired article information from the Internet bulletin board using the keyword of the article, and selects the desired article information from the searched articles. I can.

In operation 510, the trading platform server 230 may guide the selection of an item to the seller terminal 210. For example, the trading platform server 230 may guide product selection through an application related to the trading platform server 230 (installed in the seller's terminal 210) or text.

In operation 515, the seller terminal 210 may negotiate a transaction amount of the product with the purchaser terminal 220 through the transaction platform server 230 or in another way (eg, voice call or text). After operation 515 and before operation 520, the seller terminal 210 and the purchaser terminal 220 request a transaction brokerage service through the transaction platform server 230, and then a transaction brokerage service (for example, by the smart contract 335). Financial transactions) can be provided.

In operation 520, the seller terminal 210 may deposit a coin in the seller's wallet address through the smart contract 335. In this case, the smart contract 335 may be induced to deposit coins more than the return shipping cost. If coins more than the return shipping fee are deposited in the seller's wallet address, operation 520 may be omitted.

In operation 525, the purchaser terminal 220 may transmit a coin remittance request to the seller to the smart contract 335. The coin remittance request may include, for example, a buyer's wallet address, a seller's wallet address, and a transaction amount.

In operation 530, the smart contract 335 may transfer coins corresponding to the transaction amount from the buyer's wallet address to the seller's wallet address in response to the coin transfer request.

In operation 535, the seller terminal 210 may transmit a delivery request related to the product to the delivery company server 240 through, for example, a web page of the delivery company.

In operation 540, the delivery company server 240 may determine delivery information (eg, an invoice number) and transmit the determined delivery information to the transaction platform server 230.

In operation 540, when receiving delivery information from the delivery company server 240, the transaction platform server 230 may transmit a delivery information registration request to the smart contract 335 in operation 545.

In operation 545, when receiving the delivery information registration request from the transaction platform server 230, the smart contract 335 may store delivery information in the blockchain in relation to the remitted coin in operation 550.

In operation 555, the transaction platform server 230 may transmit delivery information to the seller terminal 210. For example, the transaction platform server 230 may transmit delivery information to the seller terminal 210 by text.

In operation 560, the delivery company server 240 may process delivery-related tasks such as designating a delivery point related to delivery information, and then communicate with the delivery person terminal to receive and confirm delivery completion.

In operation 565, the delivery company server 240 may inform the seller terminal 210 of completion of delivery related to delivery information. Alternatively, the delivery company server 240 may guide the completion of delivery related to delivery information to the seller terminal 210 through the transaction platform server 230 (eg, an application related to the transaction platform server 230).

In operation 570, the purchaser terminal 220 may transmit a purchase decision to the smart contract 335 according to the purchaser's request.

In operation 575, when receiving a purchase decision from the purchaser terminal 220, the smart contract 335 may release a withdrawal restriction for coins previously transferred to the seller's wallet address. For example, upon receiving a decision to purchase an item, the transaction intermediary device 250 may transmit a digital key required for withdrawal of a remitted coin to the seller terminal 210.

In operation 580, the transaction platform server 230 may record the seller's credit information and the buyer's credit information in the blockchain through the smart contract 335. For example, in the process of a financial transaction between a seller and a buyer according to FIG. 5, since there was no credit deterioration factor, the credit score of the seller and the buyer is set to a specified score (eg, 90) or higher, and includes the set credit score. Credit information can be recorded on the blockchain.

6 is a detailed flowchart of a transaction brokering method in which a simple change of heart type is determined to be returned, according to an exemplary embodiment. Hereinafter, since operations 500 to 565 included in FIG. 6 are the same as operations 500 to 565 described above with reference to FIG. 5, detailed descriptions thereof will be omitted in FIG. 6.

Referring to FIG. 6, in operation 610, since the purchaser does not like the product delivered from the seller, the purchaser may transmit a simple change of mind type return request to the delivery company server 240 using the purchaser terminal 220.

In operation 620, the delivery company server 240 may process a return procedure such as designating a point where the return business is processed, and then confirm completion of the return according to a request to the delivery person terminal.

In operation 630, the seller confirms that there is no abnormality in the returned product, and may transmit a return decision to the smart contract 335 through the seller terminal 210.

In operation 640, the smart contract 335 may return an amount of coins corresponding to the transaction amount previously remitted to the seller's wallet address, excluding the return fee, to the buyer's wallet address. In operation 640, the smart contract 335 may return the coin deposited by the seller in real money during the product transaction process.

In operation 650, the transaction platform server 230 may set the buyer's credit score downward (eg, set to be less than or equal to the designated score) and set the seller's credit score to be greater than or equal to the designated score.

In operation 660, the transaction platform server 230 may record the buyer's credit information including the set purchase points and the seller's credit information in the blockchain.

7 is a detailed flowchart of a transaction brokerage method in which a product defect type of return is determined according to an exemplary embodiment. Hereinafter, since operations 500 to 565 included in FIG. 7 are the same as operations 500 to 565 described above with reference to FIG. 5, detailed descriptions thereof will be omitted in FIG. 7.

Referring to FIG. 7, in operation 710, a purchaser may detect a defect in an article delivered from a seller, and transmit a return request of the defect type to the delivery company server 240 using the purchaser terminal 220.

In operation 720, the delivery company server 240 may process a return procedure such as designating a point for processing the return business, and then communicate with the delivery person terminal to confirm the completion of the return.

In operation 730, the seller checks the defect of the returned product, and transmits a return decision to the smart contract 335 through the seller terminal 210.

In operation 740, the smart contract 335 may return the entire amount of coins corresponding to the transaction amount previously remitted to the seller's wallet address to the buyer's wallet address upon receiving the determination of returning goods defect type from the seller terminal 210. have. In operation 740, the smart contract 335 may remit the return cost from the coin deposited by the seller to the wallet address of the delivery company or the account number of the delivery company.

In operation 750, the transaction platform server 230 may set the seller's credit score downward (eg, set to be less than or equal to the designated score) and set the purchaser's credit score to be greater than or equal to the designated score.

In operation 760, the transaction platform server 230 may record the buyer's credit information including the set purchase points and the seller's credit information in the blockchain.

8 is a flowchart illustrating a transaction brokerage method according to a delivery problem according to an exemplary embodiment.

Referring to FIG. 8, in operation 810, the smart contract 335 may check whether delivery information is received within a first threshold time (eg, 24 hours) after remittance of a coin related to an item transaction. For example, the smart contract 335 transfers a coin corresponding to the transaction amount from the buyer's wallet address to the seller's wallet address in a state of withdrawal restriction, and within 24 hours, the transaction platform server 230 or the seller terminal 210 You can check whether the delivery information is received from.

In operation 810, if it is confirmed that delivery information is not received within a first threshold time (eg, 24 hours) after the coin remittance, the smart contract 335 makes a designated number of times to request delivery information to the seller terminal 210 in operation 820. I can send it.

In operation 830, the smart contract 335 may check whether the delivery information is received within a second threshold time after transmitting the delivery information request to the seller terminal 210 a specified number of times.

When the smart contract 335 transmits the delivery information request to the seller terminal 210 a specified number of times in operation 830 and confirms that the delivery information is not received within the second threshold time, in operation 840, the transaction platform server 230 You can send a request to cancel the transaction. In this case, the transaction platform server 230 may set the seller's credit score downward and record the downwardly set seller's credit information (including the credit score) in the blockchain.

When the smart contract 335 confirms that the delivery information has been received within a first threshold time (e.g., 24 hours) after the coin remittance in operation 810, in operation 850, the delivery information is stored in the blockchain in relation to the transferred coin. I can.

9 is a flowchart illustrating a method of brokering a transaction according to a coin remittance problem according to an exemplary embodiment.

9, in operation 910, the smart contract 335 receives delivery information from the transaction platform server 230 or the seller terminal 210, and in operation 920, the transaction from the wallet address of the buyer to the wallet address of the seller You can check whether the coin corresponding to the amount has been transferred.

In operation 920, if the smart contract 335 confirms that the coin corresponding to the transaction amount has not been remitted to the seller's wallet address, in operation 930, the smart contract 335 makes another coin remittance request to request a coin remittance related to the item transaction to the buyer. It is possible to transmit the specified number of times to the purchaser terminal 220.

In operation 940, the smart contract 335 may check whether a coin corresponding to the transaction amount is transferred within a threshold time (third threshold time) after transmitting another coin transfer request a specified number of times.

In operation 940, the smart contract 335 transmits another coin remittance request a specified number of times, and then confirms that the coin corresponding to the transaction amount has not been remitted within a threshold time (third threshold time), in operation 950, the delivery company server You can request to cancel the delivery at (240).

In operation 920, when it is confirmed that the coin corresponding to the transaction amount has been transferred from the buyer's wallet address to the seller's wallet address, the smart contract 335 blocks delivery information in relation to the transferred coin in operation 960. Can be stored on the chain.

Various embodiments of the present document and terms used therein are not intended to limit the technical features described in this document to specific embodiments, and should be understood to include various modifications, equivalents, or substitutes of the corresponding embodiment. In connection with the description of the drawings, similar reference numerals may be used for similar or related components. The singular form of a noun corresponding to an item may include one or more of the above items unless clearly indicated otherwise in a related context. In this document, “A or B”, “at least one of A and B”, “at least one of A or B”, “A, B or C”, “at least one of A, B and C” and “A, Each of phrases such as "at least one of B or C" may include any one of the items listed together in the corresponding one of the phrases, or all possible combinations thereof. Terms such as "first", "second", or "first" or "second" may be used simply to distinguish the component from other Order) is not limited. Some (eg, a first) component is referred to as “coupled” or “connected” to another (eg, a second) component, with or without the terms “functionally” or “communicatively”. When mentioned, it means that any of the above components may be connected to the other components directly (eg by wire), wirelessly, or via a third component.

The term "module" used in this document may include a unit implemented in hardware, software, or firmware, and may be used interchangeably with terms such as logic, logic blocks, parts, or circuits. The module may be an integrally configured component or a minimum unit of the component or a part thereof that performs one or more functions. For example, according to an embodiment, the module may be implemented in the form of an application-specific integrated circuit (ASIC).

Various embodiments of the present document are software including one or more instructions stored in a storage medium (e.g., internal memory or external memory) readable by a machine (e.g., transaction intermediary device 300). Example: Program). For example, the processor (eg, the processor 330) of the device (eg, the transaction intermediary device 300) may call at least one command among one or more commands stored from a storage medium and execute it. This enables the device to be operated to perform at least one function according to the at least one command invoked. The one or more instructions may include code generated by a compiler or code executable by an interpreter. A storage medium that can be read by a device may be provided in the form of a non-transitory storage medium. Here,'non-transitory' only means that the storage medium is a tangible device and does not contain a signal (e.g., electromagnetic waves), and this term refers to the case where data is semi-permanently stored in the storage medium. It does not distinguish between temporary storage cases.

According to an embodiment, a method according to various embodiments disclosed in the present document may be provided by being included in a computer program product. Computer program products can be traded between sellers and buyers as commodities. The computer program product is distributed in the form of a device-readable storage medium (e.g. compact disc read only memory (CD-ROM)), or through an application store (e.g. Play Store ^TM ) or two user devices (e.g. It can be distributed (e.g., downloaded or uploaded) directly between, e.g. smartphones) In the case of online distribution, at least a part of the computer program product may be temporarily stored or temporarily generated in a storage medium that can be read by a device such as a server of a manufacturer, a server of an application store, or a memory of a relay server.

According to various embodiments, each component (eg, module or program) of the above-described components may include a singular number or a plurality of entities. According to various embodiments, one or more components or operations among the above-described corresponding components may be omitted, or one or more other components or operations may be added. Alternatively or additionally, a plurality of components (eg, a module or program) may be integrated into one component. In this case, the integrated component may perform one or more functions of each component of the plurality of components in the same or similar to that performed by the corresponding component among the plurality of components prior to the integration. . According to various embodiments, operations performed by a module, program, or other component may be sequentially, parallel, repeatedly, or heuristically executed, or one or more of the operations may be executed in a different order or omitted. Or one or more other actions may be added.

Claims (16)

In the smart contract-based online transaction intermediary device,
A communication circuit capable of communicating with a buyer terminal, a seller terminal, and a transaction platform server;
A memory for storing an instruction for executing a smart contract; And
And a processor functionally connected to the communication circuit and the memory,
The smart contract, when executed, the processor,
Upon receiving a coin remittance request including the transaction amount related to the product transaction, the buyer's wallet address, and the seller's wallet address from the buyer's terminal, the seller sends a coin corresponding to the transaction amount among the coins deposited in the buyer's wallet address. Remittance to the wallet address of, and the remitted coin, withdrawal is restricted,
When receiving a request for registration of delivery information related to the product transaction from the seller terminal or the transaction platform server, the delivery information is stored in a block chain including the memory,
When a product purchase decision related to the delivery information is received from the purchaser terminal, the online transaction intermediary device is configured to release the withdrawal restriction of the remitted coin. The method according to claim 1, wherein the smart contract, the processor,
An online transaction intermediary device for recording the seller's credit information and the buyer's credit information in the blockchain. The method according to claim 1, wherein the smart contract, the processor,
Transfer a coin corresponding to the transaction amount from the buyer's wallet address to the seller's wallet address and check whether the delivery information is received,
When the delivery information is not received, an online transaction intermediary device configured to transmit a cancellation request for the product transaction to the transaction platform server. The method of claim 3, wherein the smart contract, the processor,
When the coin is remitted and the delivery information is not received within a first threshold time, a delivery information request is transmitted to the purchaser terminal,
If the delivery information is not received within a second threshold time after transmitting the delivery information request, to transmit the cancellation request to the transaction platform server. The method of claim 3, wherein the smart contract, the processor,
If the delivery information is not received, the remitted coin is returned from the buyer's wallet address to the seller's wallet address,
Receiving the down-adjusted seller's credit information from the transaction platform server,
Online transaction intermediary device for storing the down-adjusted credit information in a blockchain. The method according to claim 1, wherein the smart contract, the processor,
Upon receiving the delivery information, it is checked whether a coin corresponding to the transaction amount has been deposited into the seller's wallet address,
When a coin corresponding to the transaction amount is not deposited, an online transaction intermediary device configured to transmit a request for cancellation of delivery of goods related to the delivery information to a delivery company server through the communication circuit. The method of claim 6, wherein the smart contract, the processor,
If the coin corresponding to the transaction amount has not been remitted, another coin remittance request is transmitted to the purchaser terminal,
After transmitting the other coin remittance request to the purchaser terminal, it is additionally checked whether the coin corresponding to the transaction amount is remitted within a third threshold time,
When remittance of the coin corresponding to the transaction amount is not confirmed, an online transaction intermediary device configured to transmit a cancellation request of the delivery of the goods to the delivery company server. The method of claim 6, wherein the smart contract, the processor,
When the transaction platform server downgrades the purchaser's credit information and transmits the downwardly adjusted purchaser's credit information in response to the request for cancellation of delivery of the goods, the downwardly adjusted purchaser's credit information is recorded in the blockchain. Online transaction intermediary device. The method according to claim 1, wherein the smart contract, the processor,
When a product purchase decision related to the delivery information is not received from the purchaser terminal and a return decision related to the delivery information is received from the seller terminal, based on the return type included in the return decision, at least of the remitted coins An online transaction intermediary device for returning a portion to the buyer's wallet address. In the online transaction brokerage method using an online transaction brokerage device,
Upon receiving a coin remittance request including the transaction amount related to the goods transaction, the buyer's wallet address, and the seller's wallet address from the buyer's terminal, the coin corresponding to the transaction amount among the coins deposited in the buyer's wallet address is transferred to the seller. Remittance to the wallet address; For the remitted coins, withdrawal is restricted,
Storing the delivery information in a blockchain when delivery information related to the product transaction is received from a seller terminal or a transaction platform server; And
When a product purchase decision related to the delivery information is received from the purchaser terminal, the operation of canceling the withdrawal restriction of the remitted coin
Online transaction brokerage method, including. The method according to claim 10, after the releasing operation,
Online transaction brokerage method further comprising the operation of recording the credit information of the seller and the credit information of the buyer in the blockchain. The method of claim 10,
Checking whether the coin is remitted and the delivery information is received within a first threshold time; And
If the delivery information is not received within the first threshold time, sending a cancellation request for the product transaction to the transaction platform server. The method of claim 12,
Returning the remitted coin from the buyer's wallet address to the seller's wallet address in response to the cancellation request;
Receiving the down-adjusted seller's credit information from the transaction platform server; And
The online transaction brokerage method further comprising the operation of storing the down-adjusted credit information in a blockchain. The method of claim 10,
Upon receiving the delivery information, checking whether a coin corresponding to the transaction amount has been transferred from the purchaser's wallet address to the seller's wallet address; And
If the transfer of the coin corresponding to the transaction amount is not completed, sending a request for cancellation of delivery of goods related to the delivery information to a delivery company server. The method of claim 14,
When the transaction platform server downgrades the purchaser's credit information and transmits the downwardly adjusted purchaser's credit information in response to the request for cancellation of delivery of the goods, the downwardly adjusted purchaser's credit information is recorded in the blockchain. The online transaction brokerage method further comprising the operation of doing. The method of claim 10,
When a product purchase decision related to the delivery information is not received from the purchaser terminal and a return decision related to the delivery information is received from the seller terminal, based on the return type included in the return information, at least of the remitted coins The online transaction brokerage method further comprising returning a part to the wallet address of the buyer.

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