KR20210037247A - Purchasing goods relay system and method based on blockchain - Google Patents

Abstract

The present invention relates to a blockchain-based product purchase relay system and method that relays a rapid product purchase transaction to proceed as much as desired with low fees while using public blockchain-based cryptocurrency as it is. After a payment relay server receives cryptocurrency from a user and deposits the cryptocurrency, payment can be made by checking a real-time transaction volume update through a lightning network channel between the payment relay server and a store server (or corporate server) that processes the payment for an actual product. By sending the balance of a deposit back to the cryptocurrency by a user's request, an actual cryptocurrency blockchain network allows a transaction to occur only when the deposit is received and returned, thereby greatly reducing fees and speeding up the processing of individual product purchases. Therefore, the user with public blockchain-based cryptocurrency can use existing cryptocurrency to pay for a product quickly and freely without the burden of fees.

Description

Purchasing goods relay system and method based on blockchain}

The present invention relates to a block-chain-based product purchase relay system and method, and in particular, a block-chain-based product purchase relay system that relays as many times as desired product purchase transactions at low fees while using public blockchain-based cryptocurrency as it is. And a method.

In the case of cryptocurrencies represented by bitcoin and other coins, altcoins, various studies are being conducted to use it as a real currency for various commodity transactions beyond the target of investment.

Currently, 3,000 altcoins are inundated, and my own technologies are being applied to solve problems such as the load or slow speed of work authentication that occurs in bitcoins, respectively. However, the representation and stability of Bitcoin, which currently exceeds 70% of the total cryptocurrency market share, is expected to continue for the time being, and there is a forecast that it will soon exceed 80%.

However, it is not suitable for general product purchase payments that require quick and frequent payments due to the slow transaction processing speed and high fees that take more than one hour to use bitcoin as an object of utilization rather than an investment object.

In practice, this problem is a problem that occurs not only in Bitcoin but also in various altcoins, and there are differences in degree, but it is not easy to directly use it in the micropayment market, which requires frequent payments if it is quick.

If it is a private blockchain-based cryptocurrency, it can be configured to enable high-speed payment at the level desired by the issuer, but it is not easy to apply to general product payment due to its vulnerability to hacking and low reliability of the operator.

In some prior technologies, a specific product sales platform service provider issues a dedicated cryptocurrency that can only be used in their product sales platform service, based on a blockchain, and uses the cryptocurrency after converting bitcoins or altcoins into dedicated cryptocurrencies. Therefore, it also provided a system that allows you to purchase products on its own platform. However, this configuration has a problem of low reliability and a high risk of hacking because a dedicated cryptocurrency is configured as a private blockchain for high-speed processing, and there is a limitation in that only products on a limited platform can be purchased. Furthermore, it is intended to utilize familiar, safe and reliable cryptocurrencies such as Bitcoin by policies of untrusted operators such as new types of mining to maintain a new dedicated cryptocurrency ecosystem or distribution of large amounts of promotional tokens to activate services. It is difficult to satisfy the needs of users.

Furthermore, a method of issuing cryptocurrency for purchasing products based on private blockchains with additional safety devices such as smart contracts has also been proposed, but this also has a high complexity to overcome the limitations of private blockchains, so goods providers who participate as affiliates B. It is difficult to increase user participation, and because it can be used only for limited purposes, there is a problem with low scalability and currency. Furthermore, even if such a complex safety device is added, there is a limit to activation in that it is difficult to trust the operator. Therefore, such a configuration is also difficult to satisfy the user's request to use a representative cryptocurrency itself such as bitcoin.

Korean Patent Registration No. 10-1935297, [System and method for generating virtual currency through e-commerce in open market] Korean Patent Registration No. 10-1904208, [Blockchain-based cryptocurrency and electronic wallet management system]

The object of the embodiments of the present invention to improve the above-described problem is that a user holding a public blockchain-based cryptocurrency does not use a separate cryptocurrency, but can quickly and freely pay for products using the existing cryptocurrency. In order to reduce the fee, the payment relay server receives and deposits the cryptocurrency from the user, and then the payment relay server and the store server (or corporate server) perform payment through real-time cryptocurrency transaction volume update on the Lightning network channel, and the user By allowing the balance of the deposit to be returned to cryptocurrency at the request of, the transaction occurs only when the deposit is received and returned to the actual cryptocurrency blockchain network, greatly reducing fees and speeding up the processing of individual product purchases. It is to provide a blockchain-based product purchase relay system and method.

Another object of the present invention is that the user terminal selects a product through a product catalog provided to the user terminal through a payment relay server, provided to the user terminal through a store terminal, or provided to the user terminal through a store web server, When a user terminal requests a transaction for the product through an identifier, code (Quick Response (QR) code or barcode) included in the product information, or a Uniform Resource Identifier (URI), the payment relay server A block that allows simple and quick settlement by allowing transactions to be made by confirming transactions based on the price of the product, but by simply updating the transaction volume in real time through the lightning network channel provided between the payment relay server and the corresponding product sales store server. It is to provide a chain-based product purchase relay system and method.

Another object of the present invention is to provide a block chain-based product purchase relay system and method that enables easy and quick refunds for goods paid through a store server through a payment relay server through a store server or a store terminal. .

Another object of the present invention is to configure a product information management server that accumulates and manages product information and catalog information to relay product information, determine the possibility of product transaction, or proceed with a refund procedure. Blockchain-based product purchase relay system that enables accurate and reliable payment and refund for products whose prices, promotions or refund conditions vary depending on the situation by selecting and referencing the product information corresponding to the transaction; and Is to provide a way.

Blockchain-based product purchase relay system and method according to an embodiment of the present invention for achieving the above object is a block chain including a user terminal operating as a node of a cryptocurrency blockchain network, a payment relay server, and a store server. As a base product purchase relay system, the user terminal transmits at least a part of the cryptocurrency held through the cryptocurrency blockchain network as a deposit to the payment relay server, and the transaction request information for the selected product among the received product information is settled. It is provided to the relay server and store server, receives and checks the deposit change information according to the payment from the payment relay server, requests the payment relay server to return the deposit, and the payment relay server receives from the user terminal through the cryptocurrency blockchain network. Store one cryptocurrency as a deposit and create a channel through the corresponding store server and lightning network according to the transaction request information received from the user terminal, or accumulate and record the transaction volume according to the product price through the previously created channel, and check the store server. The user's deposit is updated by completing the transaction through the user terminal, and the balance of the deposit is transmitted to the user terminal through the cryptocurrency blockchain network according to the deposit return request information of the user terminal, and the store server creates product information to be provided to the user terminal. , The transaction request information is received from the user terminal, and according to the received transaction request information, the changed transaction volume on the channel created through the payment relay server and the lightning network is checked, and the payment is performed, and the result is provided to the payment relay server.

As an example, the payment relay server may compare the product price according to the transaction request information with the user's deposit balance and provide information on whether or not the transaction is possible to the store server as transaction confirmation information.

As an example, when a user terminal provides refund request information including information on a previous transaction request to a store server, the store server checks the corresponding transaction according to the refund request information, and refund information according to the refund policy set in advance for the product. Is generated and provided to the payment relay server, and the payment relay server updates the transaction volume of the lightning network channel and the user's deposit in response to the store server according to the received refund information in consideration of the refund. Deposit information can be notified to the user terminal.

As an example, one or more channels of the Lightning network are created for each store server, one or more channels are terminated at the request of the store server, and the payment relay server is terminated, and the cryptocurrency according to the final transaction volume of the channel is a cryptocurrency blockchain network. It can be sent to the store server through and settled.

As an example, information about products is provided to the user terminal of a user who visits a store, and when transaction request information is received from the user terminal, the transaction request information is transmitted to the payment relay server and the store server, and refund request information is received from the user terminal. If so, it may include a store terminal that provides the refund request information for the transaction request information to the store server.

Meanwhile, product information and user terminals including at least one of a product name, product price, refund policy, template version application policy, product transaction request information generation identifier, code or uniform resource identifier (URI) from the store server Receives catalog information to display product information on and stores it for each version, provides access information to provide the stored catalog to the user terminal through a payment relay server, store server, or store terminal, and relays payment for payment or refund The product information management server may further include a product information management server that provides product information on a product to be traded according to a request from the server and the store server.

As an example, the user terminal includes a block chain node unit for operating as a node of the cryptocurrency blockchain network, and a dedicated application unit for interworking with the payment relay server, but the dedicated application unit interlocks with the payment relay server to confirm membership registration and deposit. And a payment relay user unit that processes a return request, a product transaction unit that receives product information and provides it to the user, generates transaction request information based on the selected product information, and generates refund request information based on previous transaction request information. Can include.

As an example, the payment relay server includes a block chain node to operate as a node of a cryptocurrency blockchain network, a user terminal linkage unit that authenticates and maintains access to the user terminal, and the user's electronic wallet public key and email address from the user terminal. The member management unit that handles membership registration through the member management unit, the affiliate management unit that manages the store server information for the affiliate company, the member deposit management unit that manages the cryptocurrency transmitted from the member user as a deposit, and the deposit return information from the user terminal is received. The deposit return processing unit that transmits the deposit in cryptocurrency to the electronic wallet of the user terminal, and when transaction request information is received from the user terminal, compares the price of the product corresponding to the transaction with the member's deposit balance, and provides transaction confirmation information to the store server. The transaction request processing unit that increases the transaction volume of the lightning network channel with the corresponding store server, the lightning network management unit that creates, maintains, and terminates the lightning network channel for each store server, and the transaction volume for each lightning network channel created for the store server are measured when trading products. Lightning network transaction volume management unit that increases and decreases when refunding, and a refund request processing unit that reduces the transaction volume of the corresponding Lightning network channel based on the previous product transaction when receiving refund request information from the store server, and cryptocurrency blockchain network When a cryptocurrency is received or transmitted from, a coin transaction information storage unit that stores information according to a corresponding transaction with a hash, and a product information providing unit that provides product information to a user terminal.

A product purchase relay method using a block chain-based product purchase relay system according to another embodiment of the present invention is a block chain-based product purchase relay including a user terminal operating as a node of a cryptocurrency blockchain network, a payment relay server, and a store server. As a product purchase relay method using the system, the step of transmitting at least a part of the cryptocurrency held by a user terminal through a cryptocurrency blockchain network to a payment relay server as a deposit, and the user terminal transmitting product information from a payment relay server or a store server. Providing the transaction request information for the received and selected product to the payment relay server and the store server, and the payment relay server creates or pre-creates a channel through the corresponding store server and the lightning network according to the transaction request information received from the user terminal. Through the channel, the transaction volume according to the product price is accumulated and recorded, the transaction is completed through the store server confirmation, and the user deposit is updated, and when the payment relay server receives the deposit return request information from the user terminal, the cryptocurrency blockchain And transmitting the balance of the deposit to the user terminal through the network.

As an example, if the user terminal provides refund request information including information on a previous transaction request to the store server, the store server checks the corresponding transaction according to the refund request information, and refunds the product according to the preset refund policy. The steps of generating information and providing it to the payment relay server, and updating the transaction volume of the Lightning network channel maintained by corresponding to the store server according to the refund information received by the payment relay server and the user's deposit in consideration of the refund, It may further include the step of notifying the changed deposit information to the user terminal after the update is completed.

Blockchain-based product purchase relay system and method according to an embodiment of the present invention is a real-time cryptocurrency on a lightning network channel between the payment relay server and the store server (or corporate server) after the payment relay server receives and deposits cryptocurrency from the user. Payment is made by updating the transaction volume, and the balance of the deposit is returned to cryptocurrency at the request of the user, so that the transaction occurs only when the deposit is received and returned to the actual cryptocurrency blockchain network, greatly reducing commissions. In addition, it is possible to increase the processing speed of individual product purchases, so that users with public blockchain-based cryptocurrencies can use existing cryptocurrencies to quickly and freely pay for products without paying fees.

In addition, when the user terminal selects a product, when a transaction for the product is requested through an identifier or code included in the product information of the product catalog or a Uniform Resource Identifier (URI), the payment relay server and the corresponding product sales store server By allowing transactions to be made only by accumulating and updating real-time transaction volumes through the lightning network channel provided between them, there is an effect that simple and quick product selection and payment are possible. Furthermore, even when requesting a refund, there is an effect that a refund can be made quickly by updating the transaction volume of the Lightning network channel.

In addition, a product information management server that accumulates and manages product information and catalog information is configured to relay product information, determine the possibility of product transaction, or proceed with a refund procedure. By allowing product information to be selected and referenced, accurate and reliable payments and refunds are possible for products whose prices, promotions, or refund conditions vary depending on the situation.

In addition, the payment and refund configuration in which the actual product is provided to the user terminal and the payment relay server accumulates the individual store server and cryptocurrency-based transaction volume through the Lightning network channel is a separate configuration that is not directly related to the cryptocurrency blockchain network. Since it is managed, it does not increase any load on the cryptocurrency blockchain network, and there is no need for a separate configuration for interworking, so it is easy to implement.

1 is a conceptual diagram showing a block chain-based product purchase relay system according to an embodiment of the present invention.
2 shows a configuration of a user terminal according to an embodiment of the present invention.
3 shows the configuration of a payment relay server according to an embodiment of the present invention.
4 shows the configuration of a store server according to an embodiment of the present invention.
5 shows the configuration of a store terminal according to an embodiment of the present invention.
6 shows a configuration of a product information management server according to an embodiment of the present invention.
7 is a flow chart showing a method of relaying a product purchase based on a block chain according to an embodiment of the present invention.

The present invention as described above will be described in detail through the accompanying drawings and embodiments.

It should be noted that the technical terms used in the present invention are only used to describe specific embodiments, and are not intended to limit the present invention. In addition, the technical terms used in the present invention should be interpreted as generally understood by those of ordinary skill in the technical field to which the present invention belongs, unless otherwise defined in the present invention, and is excessively comprehensive. It should not be construed as a human meaning or an excessively reduced meaning. In addition, when a technical term used in the present invention is an incorrect technical term that does not accurately express the spirit of the present invention, it should be replaced with a technical term that can be correctly understood by those skilled in the art. In addition, general terms used in the present invention should be interpreted as defined in the dictionary or according to the context before and after, and should not be interpreted as an excessively reduced meaning.

In addition, the singular expression used in the present invention includes a plurality of expressions unless the context clearly indicates otherwise. In the present invention, terms such as “consisting of” or “comprising” should not be construed as necessarily including all of the various elements or various steps described in the invention, and some of the elements or some steps are included. It should be interpreted that it may not be, or may further include additional components or steps.

In addition, terms including ordinal numbers such as first and second used in the present invention may be used to describe the elements, but the elements should not be limited by the terms. The terms are used only to distinguish one component from another. For example, without departing from the scope of the present invention, a first element may be referred to as a second element, and similarly, a second element may be referred to as a first element.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings, but the same or similar components are assigned the same reference numerals regardless of the reference numerals, and redundant descriptions thereof will be omitted.

In addition, in describing the present invention, when it is determined that a detailed description of a related known technology may obscure the subject matter of the present invention, a detailed description thereof will be omitted. In addition, it should be noted that the accompanying drawings are only for easily understanding the spirit of the present invention and should not be construed as limiting the spirit of the present invention by the accompanying drawings.

In particular, the user terminal mentioned in the embodiment of the present invention encompasses terminal devices capable of accessing various types of networks, and includes a smart phone, a portable terminal, and a mobile terminal having a communication function. Terminal), Personal Digital Assistant (PDA), Portable Multimedia Player (PMP) Terminal, Personal Computer, Notebook Computer, Slate PC, Tablet PC, Ultrabook ), and the like, and the network may be applied with various wired/wireless communication schemes that are widely known.

The payment relay server, store server, and product information management server mentioned in the embodiments of the present invention may substantially include a server configuration, which may be various types of server configurations including a single computer, a parallel computer, and a distributed computer. , It may be a virtual server including various physical configurations, such as a cloud server. Furthermore, such a server may perform at least one or more various functions such as a web server, a network server, an application server, and a database server.

Further, the store terminal mentioned in the embodiment of the present invention encompasses terminals capable of accessing the same network as the user terminal, and a terminal having a function for payment may also be included. In addition, such a store terminal may refer to a comprehensive device that provides product information to a user, including a display, or provides a function of transmitting information through short-range communication or an identifier display.

In addition, the networks mentioned in the embodiments of the present invention include various networks constituting an open type or closed type communication network through various wired/wireless communication methods, and are not particularly limited to a specific network.

A configuration according to the embodiment of the present invention will be described with reference to FIGS. 1 to 7.

1 is a conceptual diagram showing a block chain-based product purchase relay system according to an embodiment of the present invention.

As shown, it includes a user terminal 100 operating as a node of the blockchain network 10 of cryptocurrency, a payment relay server 200, and a store server 300.

Here, the cryptocurrency blockchain network 10 refers to a bitcoin or altcoin blockchain network that can be traded at the current exchange, and the present invention is a user terminal operating as a node of the existing cryptocurrency blockchain network 10. (100), the payment relay server 200 and the store server 300 are used in a minimum configuration, but the present invention allows various product transactions to be possible on a real-time basis while using the existing cryptocurrency based on this environment. It is characterized by establishing a separate product purchase relay system.

In an embodiment of the present invention, information on an actual product is provided, and operations such as a user confirming and purchasing a corresponding product, and refunding are performed through a lightning network between the payment relay server 200 and the store server 300. Although such a lightning network is a technology related to bitcoin, in the present invention, only this technology is used, and the corresponding lightning network and the cryptocurrency blockchain network 10 are applied without direct relation, so the cryptocurrency to which the present invention can be applied is It is not limited to Bitcoin.

On the other hand, in the embodiment of the present invention, the user terminal 100, the payment relay server 200, and the store server 300 also include a function of a node of the cryptocurrency blockchain network 10, respectively, Holding, and exchanging cryptocurrencies between them means that payment transactions occur for each cryptocurrency electronic wallet. For example, when the user terminal 100 transmits the cryptocurrency deposit to the payment relay server 200, a transaction that transmits the cryptocurrency corresponding to the deposit from the electronic wallet held by the user terminal to the electronic wallet held by the payment relay server. Means that it occurs. However, for convenience of explanation, such a conventional detailed configuration is omitted and expressed as a cryptocurrency transmission between devices.

The configuration and operation method of the present invention will be described with reference to FIGS. 1 and 6.

First, the functions of the user terminal 100, the payment relay server 200, and the store server 300, which are configurations capable of minimum operation, and the corresponding operation are described, and the store terminal 400 and the product information management server ( 500) will be described.

The user terminal 100 transmits at least a part of the cryptocurrency held through the cryptocurrency blockchain network 10 as a deposit to the payment relay server 200, and pays the transaction request information for the selected product from among the received product information. Provided to the relay server 200 and the store server 300, it is possible to receive and check the deposit change information according to the payment from the payment relay server 200, and request the payment relay server 200 to return the deposit.

In order to use the service provided by the payment relay server 200, the user terminal 100 installs a dedicated application that interlocks with the payment relay server 200 and then subscribes to the payment relay server 200 through the corresponding dedicated application, After the deposit is delivered, the relayed product can be purchased or refunded, and the status of the deposit can be checked or a refund can be requested.

The user terminal 100 may receive product information from the payment relay server 200 through a dedicated application, or may receive product information from the store server 300 through various methods. Various methods may be a method of checking a web server or a web page operated by the store server 300 through a web browser pre-configured in the user terminal 100, and such access information is a payment relay server 200 through a dedicated application. Various channels for promotion or delivered from (store server provides link information through which product information can be checked to the user terminal through a short message service, or through a push method, or through social network service content or advertisement form. The invention is not limited to such a channel or method for receiving product information because product information can be received through exposure to, providing at a local store visited by a user, or exposing a code that can be accessed through identification).

However, the user terminal 100 must provide transaction request information for the selected product so that the payment relay server 200 and the store server 300 can check product information requesting a transaction among various product information. For this purpose, each product information includes at least one of an identifier, a code (QR code or barcode, etc.) or an integrated resource identifier (URI), and the user terminal 100 directly inputs the identifier through a dedicated application or By selecting, identifying a code through a code identification means, or selecting a URI containing specific information through a dedicated application or browser, the payment relay server 200 and the store server 300 transmit transaction request information for knowing product information. ).

On the other hand, the product information generated by the store server 300 includes a product name, product price, refund policy, template (template for displaying detailed product information) version application policy, an identifier for generating product transaction request information, code or integration. At least one of a Uniform Resource Identifier (URI) may be included.

The payment relay server 200 stores the cryptocurrency received from the user terminal 100 as a deposit through the cryptocurrency blockchain network 10, and according to the transaction request information for a specific product received from the user terminal 100 A corresponding store server 300 that sells the product included in the transaction request information and a channel through the Lightning network are created or (cryptocurrency) transaction volume according to the product price is accumulated and recorded through the previously created channel, and the store server 300 ) To complete the transaction to update the user's deposit, and transmit the balance of the deposit to the user terminal through the cryptocurrency blockchain network 10 according to the deposit return request information of the user terminal 100 (occurs at this time). The fee can be determined according to the selection of the user terminal, and the fee may be high if a fast transaction is desired).

Therefore, since the payment relay server 200 uses the cryptocurrency blockchain network 10 only when receiving a deposit from the user terminal 100 and returning the deposit, the fee can be reduced, and the cryptocurrency according to the actual product purchase. The transaction of is performed through the lightning network between the payment relay server 200 and the store server 300.

Meanwhile, the payment relay server 200 may separately store a hash for a corresponding transaction when there is a cryptocurrency transaction for the user terminal 100 (receiving a deposit and returning the balance of the deposit) for a reliable cryptocurrency transaction.

In addition, the payment relay server 200 compares the product price according to the transaction request information provided by the user terminal 100 with the balance of the user's deposit, and transmits information on whether or not the transaction is possible to the store server 300 as transaction confirmation information. Can provide. Of course, if a transaction is impossible (lack of deposit balance), the payment relay server 200 may provide the information to the user terminal 100 and the store server 300, and the store server 300 may provide information on whether the transaction is possible. After receiving from the payment relay server 200, a procedure such as rejecting sales for the payment relay server 200 may be performed. In other words, when the balance is insufficient, the transaction is prevented, but the notification method or the subject of the transaction prohibition can be changed in various ways.

In the case of the Lightning Network, since the transaction target is fixed through channel setting, the cryptocurrency cannot be transferred to other places, so it cannot be stolen, so it maintains high security, but it operates as a side chain or off-chain separate from the actual cryptocurrency blockchain. It is possible to suppress the occurrence of fees, and because it is possible to mutually check the real-time transaction contents by maintaining the channel continuously until the end of the transaction is requested, not by an individual transaction, and increasing or decreasing the transaction volume of the corresponding channel, safe high-speed transactions are possible, and refunds are also simple. Can be handled.

The store server 300 generates product information to be provided to the user terminal 100, receives transaction request information from the user terminal 100, and connects the payment relay server 200 and the lightning network according to the received transaction request information. The changed transaction volume (increase of the cryptocurrency payment amount according to the payment amount) on the channel created through is checked, payment is performed (payment for the product is completed), and the result is provided to the payment relay server 200. Further, the store server 300 operates as a node of the cryptocurrency blockchain network 10 because it must receive cryptocurrency according to the transaction amount in exchange for product sales and payment from the payment relay server 200.

In an embodiment of the present invention, the store server 300 refers to a server for managing each online or offline store, or for integrated management of such stores, and may be a corporate server in which a plurality of stores are affiliated stores. Therefore, the store server 300 is a terminal installed in one individual store and performs the function of the server together, or as an online store, provides product information and manages visits of user terminals while also performing the function of the server. It may be a server of the affiliate headquarters that integrates and manages several affiliated stores.

Meanwhile, the user terminal 100 may provide refund request information including information on a previous transaction request to the store server 300, and product purchase details (including at least some of the transaction request information) according to the previous transaction request. Based on the refund request, but the refund request information can be provided to both the payment relay server 200 and the store server 300, and only the store server 300 (whether refund is possible according to the refund policy, return of the product, In order to prioritize return confirmation, etc.), you can request a refund first. Preferably, the refund request information is first delivered only to the store server 300 and the store server 300 requests a refund to the payment relay server 200 after completing all procedures such as guidance according to the refund policy or product return. The method is preferred. In addition, for this purpose, when the transaction is completed according to the transaction request information, the store server 300 transmits information such as an identifier, code, and URI for a refund to the user terminal 100, and the user terminal 100, if necessary, the corresponding identifier, Refund request information using information such as code and URI may be simply transmitted to the store server 300.

According to this refund request information, the store server 300 checks the corresponding transaction, generates refund information according to a preset refund policy for the product, and provides it to the payment relay server 200, and the payment relay server 200 receives According to the refund information, the transaction volume of the lightning network channel maintained in correspondence with the store server 300 and the user's deposit are updated in consideration of the refund, and the changed deposit information is notified to the user terminal after the update is completed. The store server 300 may determine the completion of the refund by checking the change in the transaction volume of the lightning network channel according to the transmitted refund information.

In this way, a product payment relay service capable of low commission and high-speed payment is basically possible through the user terminal 100, the payment relay server 200, and the store server 300.

Meanwhile, the payment relay server 200 may create one or more channels for each store server 300 through the lightning network. Basically, after setting one channel for each store server 300, it is possible to integrate and manage the mutual transaction volume. However, when the transaction volume is large or the transaction volume for a specific product is large, a plurality of channels may be created.

The channel created and maintained in this way is basically terminated at the request of the store server 300, and the cryptocurrency according to the final transaction volume of the channel where the payment relay server 200 is terminated is transferred to the store server through the cryptocurrency blockchain network 10. Transfer to (300) to perform settlement. In the case of performing such a settlement, a transaction occurs between the payment relay server 200 and the store server 300 through the cryptocurrency blockchain network 10, and a fee is generated accordingly. Accordingly, the store server 300 may determine a settlement time, that is, a channel termination time, in consideration of the accumulation of fees and transaction volumes according to the settlement, and request the settlement relay server 200. Of course, in special cases (excessive amount of accumulated cryptocurrency, when a system check or update of the payment relay server 200 is required, etc.), the payment relay server 200 may request channel termination.

The embodiment of FIG. 1 further includes a store terminal 400 and a product information management server 500 in addition to the user terminal 100, the payment relay server 200, and the store server 300 described above.

The store terminal 400 refers to a store terminal of an offline store for effectively transmitting product information or catalog information including such product information to the user terminal 100. The store terminal 400 provides information on the product to the user terminal 100 of the user who has visited the store (delivering a URI by short-distance communication, delivering a catalog containing product information, or displaying a QR code for receiving an online catalog, etc.) ), and when the transaction request information is directly received from the user terminal (near-field communication, etc.), the transaction request information is transmitted to the payment relay server 200 and the store server 300. On the other hand, when the store terminal 400 receives the refund request information from the user terminal 100 (short-distance communication) or when a refund is requested by the user (request by a person), the store terminal 400 confirms the product collection or service interruption (store staff, etc.). ) When a request is made and a product is recovered or a service interruption is confirmed, refund request information for the transaction request information may be provided to the store server 300.

Although not specifically shown, the store terminal 400 is similar to a catalog web page including product information or an online store web page (ie, a web server providing the corresponding web page) in terms of its functionality, and the store terminal 400 ) Instead, it can be replaced with a web server that provides a catalog web page containing product information or product information, or an online store web page that provides a product list. The web server may provide product information according to the connection of the user terminal 100, and may provide transaction request information for the product to the payment relay server 200 and the store server 300 according to the user's selection, and provide a refund. Upon request, a refund request for cancellation of a transaction is provided to the store server 300 when the product is delivered, and when information on product return and confirmation is received after delivery, a refund request may be provided to the store server 300. . Accordingly, the store terminal 400 may include a configuration that provides product information or catalog information to a user regardless of on/offline and performs a'store' function capable of processing product transaction requests and refund requests.

The illustrated product information management server 500 receives product information from the store server 300 and catalog information to display product information on the user terminal 100, stores each version, and stores the stored catalog by payment relay server 200 B. Provides access information for providing to the user terminal 100 through the store server 300 or the store terminal 400. The payment relay server 200 and the store server 300 provide access information for providing the corresponding catalog (such as a code including a URI or URI) to the user terminal 100 as it is or directly access and receive the catalog information, It may be provided as it is or processed and provided to the user terminal 100. In addition, an important function of the product information management server 500 is to select and provide product information on a product to be traded according to the request of the payment relay server 200 and the store server 300 for payment or refund. That is, the price or refund policy for the product may vary depending on the time when product information is provided, catalog version, event or promotion, etc., so after accurately checking the exact product information at the time of payment request through the product information management server 500, refund By processing, it is possible to increase the reliability of the user.

The configuration of the user terminal 100, the payment relay server 200, the store server 300, the store terminal 400, and the product information management server 500 performing these functions will be described with reference to FIGS. 2 to 6. .

2 shows the configuration of a user terminal 100 according to an embodiment of the present invention, as shown, a block chain node unit 110 for operating as a node of a cryptocurrency block chain network 10, and a payment relay It includes a dedicated application unit 120 for interworking with the server 200.

Substantially, the block chain node unit 110 and the payment relay server dedicated application unit 120 may be independent configurations that are not directly related to each other.

The dedicated application unit 120 interlocks with the payment relay server 200 to process a request for membership registration and deposit confirmation and return, and a payment relay user unit that receives product information and provides it to the user, based on the selected product information. It generates transaction request information and includes a product transaction unit that generates refund request information based on previous transaction request information.

In some cases, the user terminal 100 may be linked with the payment relay server 200 and the store server 300 through a web page on the Internet through a general-purpose Internet browser that is basically used without configuring a dedicated application. In this case, the payment relay use unit or the product transaction unit may be configured through a web page accessed through a general-purpose application such as a web browser or a dedicated portal browser configured in the user terminal 100.

3 shows the configuration of a payment relay server 200 according to an embodiment of the present invention.

As shown, the payment relay server 200 authenticates the block chain node unit 210 and the user terminal 100 for operating as a node of the cryptocurrency block chain network 10 (access through a web connection or a dedicated application). Authentication) and a user terminal linkage unit 221 that maintains access, a member management unit 231 that processes membership registration from the user terminal 100 through the user's electronic wallet public key and e-mail address, and affiliates (stores Affiliate management unit 241 that manages store server information (access and linkage information) for a server or company server), and a member deposit management unit 232 that manages cryptocurrency transmitted from member users as deposits, When receiving the deposit return information from the user terminal 100, the deposit return processing unit 233 that transmits the deposit in cryptocurrency to the electronic wallet of the user terminal 100, and when receiving transaction request information from the user terminal 100, the corresponding transaction A transaction request processing unit 251 that compares the price of the product corresponding to the member's deposit balance and provides transaction confirmation information to the store server 300 and increases the amount of transactions in the lightning network channel with the store server 300, and the store server ( 300) Lightning network management unit 260 that creates, maintains, and terminates each Lightning network channel, and the amount of transactions for each Lightning network channel created for the store server 300, which increases the transaction volume for each Lightning network channel during product transactions and decreases when refunding. When receiving the refund request information from the management unit 261 and the store server 300, a refund request processing unit 271 that reduces the transaction volume of the corresponding Lightning network channel based on the previous product transaction, and a cryptocurrency blockchain network 10 ), a coin transaction information storage unit 234 that stores information according to a corresponding transaction with a hash when a cryptocurrency is received or transmitted, and a product information providing unit 242 that provides product information to a user terminal. have. The product information providing unit 242 may directly provide product information or catalog information including product information through the dedicated application to the user terminal 100 on which the dedicated application is installed, and an identifier for checking product catalog information, Code, URI information, etc. may be provided, and such product information or product catalog information may be received through the store server 300 or the product information management server 500.

4 shows the configuration of a store server 300 according to an embodiment of the present invention.

As shown, the block chain node unit 310 for operating as a node of the cryptocurrency block chain network 10 and the transaction request information from the user terminal 100 are received, and the balance of the deposit from the payment relay server 200 is used. By receiving the transaction confirmation information indicating that the product can be purchased, the transaction request and confirmation signal receiving unit 320 that determines whether to proceed with the product transaction, and the payment relay server 200 confirm the transaction volume of the Lightning network channel created and maintained. A transaction execution unit 340 that performs a transaction based on a change in the transaction volume of the Lightning network channel transaction volume management unit 330 for grasping the change, the transaction request and confirmation signal reception unit 320 and the Lightning network channel transaction volume management unit 330, After receiving the refund request information from the user terminal 100 or the store terminal 400, check whether the procedure according to the refund policy has been performed, request a refund to the payment relay server 200, and the lightning network channel transaction volume management unit 330 It includes a refund request unit 350 that completes the refund based on the change in the transaction volume.

Of course, in addition to these configurations, a configuration for generating product information or a configuration for generating a template for expressing product information, or a configuration for generating catalog information including product information, and a payment relay server 200 ), a configuration provided to the user terminal 100, the store terminal 400, or the product information management server 500 may be included, but this is performed separately through a product management server (not shown) interlocked with the product server 300 Can be.

5 shows the configuration of a store terminal 400 according to an embodiment of the present invention.

As shown, the store terminal 400 may be a terminal configured in an offline store, or a web page configuration according to a web server that provides product information online.

The corresponding store terminal 400 basically transmits product information or catalog information received from the store server 300 or the product information management server 500 to the user terminal 100 through an identifier, code, or A product information providing unit 410 that provides as a URI or displays product information directly to a user, and a payment relay server 200 by receiving transaction request information from the user terminal 100 or a signal requesting a transaction. It includes a transaction request signal reception and transmission unit 420 transmitted to the store server 300. In addition, a refund request unit that receives a refund request for a product that has already been requested for a transaction from the user terminal 100 or the user, confirms the product return or service suspension according to the refund policy, and then delivers the refund request information to the store server 300 ( 430).

6 shows a configuration of a product information management server 500 according to an embodiment of the present invention.

As shown, the product information management server 500 includes at least one of a product name, a product price, a refund policy, a template version application policy, an identifier for generating product transaction request information, a code, or an integrated resource identifier (URI) from the product server 300. Catalog information consisting of a product information management unit 510 that receives and stores product information including one by version (creation date, creation version, etc.), and product information stored in the product information management unit 510 from the product server 300 To provide a catalog management unit 520 for receiving and storing each version (creation date, creation version, etc.), and a stored catalog to a user terminal through the payment relay server 200, the store server 300, or the store terminal 400 It provides access information for, and includes a selection unit 530 for providing product information on a product to be dealt with at the request of the payment relay server 200 and the store server 300 for payment or refund.

7 is a flow chart showing a method of relaying a product purchase based on a block chain according to an embodiment of the present invention.

First, a process in which the user terminal subscribes to the payment relay server as a member proceeds. In this case, the user terminal downloads and installs a dedicated application, accesses the payment relay server through the corresponding dedicated application, and then inputs information for member registration to register as a member. The information for membership registration may be the user's electronic wallet public key and e-mail address, and it is desirable not to request separate personal information. When a user directly visits a store to purchase a product, personal information is not required, and when a product needs to be delivered, personal information can be exchanged between the user terminal and the store server separately. However, separate login information (ID and password) can be set for user terminal authentication.

Thereafter, in order to use the product purchase relay service, at least a part of the cryptocurrency held by the user terminal through the cryptocurrency blockchain network is transmitted to the payment relay server as a deposit. After receiving the corresponding cryptocurrency, the payment relay server may separately store the hash according to the corresponding transaction, store the corresponding deposit in correspondence with the user terminal, and notify the user terminal of the details of the deposit accumulation.

When the user terminal checks product information (catalog information) through at least one of the payment relay server, store server, store terminal, and product information management server, and then selects the product (service) to purchase, the user terminal relays the transaction request information. Delivered to server and store server.

The payment relay server compares the price of the product according to the transaction request with the balance of the user's deposit, checks whether a purchase is possible, and then transmits the confirmation information (signal) to the store server. If purchase is not possible, product information can be returned to the status of providing product information without additional work, and if necessary, the user terminal can be notified of the purchase failure.

If a purchase is possible by checking the balance of the deposit, the payment relay server creates a channel through the corresponding store server and the lightning network according to the transaction request information received from the user terminal, or accumulates and records the transaction volume according to the product price through the previously created channel. And, after confirming the transaction completion through the store server check, the user's deposit is updated and reported to the user terminal.

When the user terminal provides refund request information including information on the previous transaction request to the store server, the store server checks the corresponding transaction according to the refund request information, and returns refund information according to the preset refund policy for the product. Generate and provide it to the payment relay server to request a refund. Such refund information may include the price of the product, a deducted refund amount according to the refund policy, and may include non-refundable information. Of course, in the case of using the product information management server, the store server or the payment relay server may check the correct product information through the product information management server and then proceed with the refund process.

According to the refund information received by the payment relay server, the transaction volume of the lightning network channel maintained by the store server and the user's deposit are updated in consideration of the refund, and the changed deposit information is notified to the user terminal after the update is completed.

On the other hand, this process can be repeated, payment or refund is made quickly, and the corresponding cryptocurrency usage fee (the cryptocurrency blockchain network usage fee) does not occur separately.

Thereafter, when the payment relay server receives the deposit return request information from the user terminal, it can transmit the balance of the deposit to the user terminal through the cryptocurrency blockchain network, store the hash for the transaction, and deliver a completion report to the user terminal. have.

Through this embodiment of the present invention, it is possible to quickly purchase and refund individual products without burdening fees while using cryptocurrency directly.

In particular, by configuring a product information management server separately and checking it during transactions and refunds, accurate and reliable payments and refunds can be made for products whose prices, promotions, or refund conditions vary depending on the situation, making product sales policies complex and continuous. It is possible to use cryptocurrency directly even in the actual product sales environment that changes as a result.

The method according to the embodiments may be implemented in the form of program instructions that can be executed through various computer means and recorded in a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, and the like alone or in combination. The program instructions recorded on the medium may be specially designed and configured for the embodiment, or may be known and usable to those skilled in computer software. Examples of computer-readable recording media include physical hard disks, solid state drives (SSDs), web hard, large-capacity data storage means such as cloud storage, magnetic media such as floppy disks and magnetic tapes ( magnetic media, optical media such as CD-ROM, DVD, magneto-optical media such as floptical disk, and ROM, RAM, Hardware devices specially configured to store and execute program instructions such as flash memory and the like are included. Examples of program instructions include not only machine language codes such as those produced by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like. The hardware device described above may be configured to operate as one or more software modules to perform the operation of the embodiment, and vice versa.

In the above, preferred embodiments according to the present invention have been illustrated and described. However, the present invention is not limited to the above-described embodiments, and any person with ordinary knowledge in the technical field to which the present invention pertains may implement various modifications without departing from the gist of the present invention appended in the claims. .

10: Cryptocurrency Blockchain Network 100: User Terminal
110: block chain node unit 120: application unit
200: payment relay server 210: block chain node
221: user terminal interworking unit 231: member management unit
232: Member deposit management unit 233: Deposit return processing unit
234: coin transaction information storage unit 241: affiliate management unit
242: product information providing unit 251: transaction request processing unit
260: Lightning Network Management Department 261: LN Transaction Volume Management Department
271: refund request processing unit 300: store server
310: blockchain node 320: transaction request and confirmation signal receiver
330: LN channel transaction volume management unit 340: Transaction execution unit
350: refund request unit 400: store terminal
410: product information providing unit 420: transaction request signal receiving and transmitting unit
430: refund request unit 500: product information management server
510: product information management unit 520: catalog management unit
530: selection unit

Claims (10)

As a blockchain-based product purchase relay system including a user terminal operating as a node of a cryptocurrency blockchain network, a payment relay server, and a store server,
The user terminal transmits at least a part of the cryptocurrency held through the cryptocurrency blockchain network as a deposit to the payment relay server, and transmits transaction request information for a selected product among received product information to the payment relay server and the store server. Provides, and receives and checks the deposit change information according to the payment from the payment relay server, and requests the payment relay server to return the deposit;
The payment relay server stores the cryptocurrency received from the user terminal through the cryptocurrency blockchain network as a deposit, and creates or creates a channel through the corresponding store server and the lightning network according to the transaction request information received from the user terminal. Through the established channel, the transaction volume according to the product price is accumulated and recorded, the user deposit is updated by completing the transaction by checking the store server, and the corresponding user terminal through the cryptocurrency blockchain network according to the deposit return request information of the user terminal. Transfer the balance of the deposit to;
The store server generates product information to be provided to the user terminal, receives transaction request information from the user terminal, and checks the changed transaction volume on the channel generated through the payment relay server and the lightning network according to the received transaction request information. Blockchain-based product purchase relay system that performs payment and provides the result to the payment relay server.
The block chain according to claim 1, wherein the payment relay server compares the product price according to the transaction request information with the user's deposit balance and provides information on whether or not the transaction is possible to the store server as transaction confirmation information. Based product purchase relay system.
The method according to claim 1, wherein when the user terminal provides refund request information including information on a previous transaction request to the store server, the store server checks the corresponding transaction according to the refund request information, and a preset refund for the product Refund information according to the regulations is generated and provided to the payment relay server, and the payment relay server responds to the store server according to the received refund information, taking into account the transaction volume of the lightning network channel maintained by the store server and the user's deposit. Blockchain-based product purchase relay system, characterized in that the update is performed and the changed deposit information is notified to the user terminal after the update is completed.
The method according to claim 1, wherein one or more channels of the lightning network are created for each store server, at least one channel is terminated according to a request from the store server, and the cryptocurrency according to the final transaction volume of the channel where the payment relay server is terminated is encrypted. Blockchain-based product purchase relay system, characterized in that the settlement is performed by transmitting to the store server through a currency blockchain network.
The method according to claim 1, wherein product information is provided to the user terminal of the user who visits the store, and when transaction request information is received from the user terminal, transaction request information is transmitted to the payment relay server and the store server, and a refund from the user terminal And a store terminal providing refund request information for the transaction request information to the store server upon receiving the request information.
The product according to claim 5, wherein at least one of a product name, a product price, a refund policy, a template version application policy, an identifier for generating product transaction request information, a code or a uniform resource identifier (URI) from the store server is included. Provides access information for receiving information and catalog information to display the product information on the user terminal, storing each version, and providing the stored catalog to the user terminal through the payment relay server, store server, or store terminal, and , Blockchain-based product purchase relay system, characterized in that it further comprises a product information management server for providing product information on the product to be traded according to the request of the payment relay server and the store server for payment or refund.
The method according to claim 1, wherein the user terminal
A block chain node unit for operating as a node of a cryptocurrency block chain network;
Including a dedicated application unit for interworking with the payment relay server,
The dedicated application unit interlocks with the payment relay server to process a request for membership registration and deposit confirmation and return, and a payment relay user unit that receives product information and provides it to the user, and generates transaction request information based on the selected product information. Blockchain-based product purchase relay system comprising a product transaction unit that generates refund request information based on previous transaction request information.
The method of claim 1, wherein the payment relay server
A block chain node unit for operating as a node of the cryptocurrency block chain network;
A user terminal interworking unit that authenticates the user terminal and maintains a connection;
A member management unit that processes membership registration through the user's electronic wallet public key and e-mail address from the user terminal;
An affiliate management unit that manages store server information for affiliates;
A member deposit management unit that manages cryptocurrencies transmitted from member users as deposits;
A deposit return processing unit for transmitting the deposit in cryptocurrency to the electronic wallet of the user terminal upon receiving the deposit return information from the user terminal;
Upon receiving the transaction request information from the user terminal, the transaction request processing unit compares the price of the product corresponding to the transaction with the member's deposit balance, provides transaction confirmation information to the store server, and increases the transaction volume of the lightning network channel with the store server. ;
A lightning network management unit that creates, maintains, and terminates a lightning network channel for each store server;
A transaction volume management unit for each lightning network channel, which increases a transaction volume for each lighting network channel generated for the store server during product transaction and decreases when a refund is made;
A refund request processing unit for reducing a transaction volume of a corresponding lightning network channel based on a previous product transaction when receiving the refund request information from the store server;
A coin transaction information storage unit for storing information according to a corresponding transaction along with a hash when a cryptocurrency is received or transmitted from the cryptocurrency blockchain network;
Blockchain-based product purchase relay system, comprising a product information providing unit that provides product information to the user terminal.
As a product purchase relay method using a blockchain-based product purchase relay system including a user terminal operating as a node of a cryptocurrency blockchain network, a payment relay server, and a store server,
Transmitting at least a portion of the cryptocurrency held by the user terminal through the cryptocurrency blockchain network to the payment relay server as a deposit;
Receiving, by the user terminal, product information from the payment relay server or the store server and providing transaction request information for the selected product to the payment relay server and the store server;
The payment relay server creates a channel through the corresponding store server and the lightning network according to the transaction request information received from the user terminal, or accumulates and records the transaction volume according to the product price through the previously created channel, and makes a transaction through the store server confirmation. Updating the user deposit by completing the process;
Product purchase relay method using a blockchain-based product purchase relay system comprising the step of transmitting the balance of the deposit to the user terminal through the cryptocurrency blockchain network when the payment relay server receives the deposit return request information from the user terminal .
The method according to claim 9, wherein when the user terminal provides refund request information including information on a previous transaction request to the store server, the store server checks the corresponding transaction according to the refund request information, and a preset refund for the product Generating refund information according to regulations and providing it to the payment relay server;
According to the refund information received by the payment relay server, the transaction volume of the lightning network channel maintained in correspondence with the store server and the user's deposit are updated in consideration of the refund, and the changed deposit information is notified to the user terminal after the update is completed. Product purchase relay method using a block chain-based product purchase relay system, characterized in that it further comprises a step.

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